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Comprehensive Coverage for Artisan Contractors Including New Residential Projects Continental Risk / Continental Marine Insurance Services offers a robust insurance solution tailored for artisan contractors, including those working in new residential construction. This program is designed specifically for agents and brokers seeking comprehensive coverage options for small to mid-sized contractors across a wide range of trades. Ideal Accounts and Target Classes This program is well-suited for residential and commercial artisan contractors across more than 30 classes. Target trades include: HVAC contractors Electricians Plumbers Carpenters Painters Small general contractors (GCs) New ventures are considered, and the program is also flexible in handling accounts that include up to 50% subcontracting costs. This makes it ideal for insureds managing their own teams while occasionally subcontracting for specialized services. Coverage Highlights and Program Advantages Continental Risk’s Artisan Contractors program includes key coverage enhancements designed to meet the needs of today’s contracting businesses: Blanket Additional Insured endorsements (CG2033 & CG2037) Primary and non-contributory wording Waiver of subrogation available No prior works exclusion No subsidence exclusion No sunset clause or manifestation clause Per Project Aggregate limits Coverage available for accounts with up to $10 million in annual sales These features provide strong protection for your clients in a competitive market, helping them meet contract requirements and protect against common project-related exposures. Underwriting Notes and Minimum Premium The program is available on a non-admitted basis, offering flexible underwriting for hard-to-place or emerging risks. The minimum premium for this program starts at $3,000, making it accessible for both established businesses and qualified startups. Submissions with subcontracting exposures, residential new construction, and high-limit needs are welcomed, provided they meet the overall underwriting guidelines. Territories and Availability This program is available in various states through Continental Risk / Continental Marine Insurance Services. Please contact the team directly to confirm availability in your client’s location and to discuss any state-specific underwriting considerations. Why Work With Continental Risk / Continental Marine Insurance Services? With deep expertise in contractor risks and access to specialty markets, Continental Risk / Continental Marine Insurance Services provides agents and brokers with dependable solutions for artisan contractors. Their flexible approach to underwriting and commitment to comprehensive coverage make them a valuable partner for placing both common and challenging contractor accounts. Whether you have a first-time electrician launching their own business or a small general contractor handling a mix of residential and commercial jobs, this program offers the flexibility and protection your clients need to operate with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for artisan contractors such as electricians, HVAC techs, plumbers, painters, and small general contractors, including those working on new residential construction. Are new ventures eligible for coverage?Yes, new ventures are eligible. The program welcomes startup contractors that meet other underwriting criteria. Can the program handle subcontracting exposures?Yes, accounts with up to 50% subcontracting costs are considered, provided subcontractors carry appropriate insurance and meet program guidelines. What exclusions are not present in this program?This program does not include prior works, subsidence, sunset, or manifestation exclusions, offering broader protection for your insureds. Is this program admitted or non-admitted?This is a non-admitted program, allowing for greater flexibility in underwriting and coverage customization. Need help placing an account? Connect with a market specialist.

..., Painters, Drywallers, Plumbers, Septic Tank Cleaners, HVAC Technicians, Appl...

...ofing Contractors Septic Tank Cleaners Sewer C...

...y of site tasks—site preparation, septic installation, drainage systems, land ...who performs residential grading and septic installation seeking blanket addit...