Search CompleteMarkets

Septic tank contractors face unique liabilit...ogram is ideal for small to mid-size septic tank contractors involved in insta...

...derground and above-ground storage tanks. With focused underwriting expertise ...l responsibility rules for qualifying tanks; we will confirm the available str...

Comprehensive Coverage for Artisan Contractors Including New Residential Projects Continental Risk / Continental Marine Insurance Services provides a focused, project-friendly insurance solution for artisan contractors — including those working on new residential construction. Built for agents and brokers, this non-admitted program targets small-to-mid sized contractors across a broad range of trades and includes policy features that help insureds meet contract requirements and manage common jobsite exposures. Ideal Accounts and Target Classes The Artisan Contractors program is a strong fit for residential and commercial trades across more than 30 classes. Typical target classes include: HVAC contractors Electricians Plumbers Carpenters Painters Small general contractors (GCs) New ventures are considered. The program will also handle accounts that include subcontracting — generally up to 50% of payroll or costs — when subcontractors maintain appropriate insurance and meet underwriting requirements. Coverage Highlights and Program Advantages Continental Risk’s Artisan Contractors offering includes several marketable enhancements that help your insureds secure work and reduce contractual friction: Blanket Additional Insured endorsements (CG2033 & CG2037) Primary and non-contributory wording available Waiver of subrogation can be provided No prior-works exclusion No subsidence exclusion No sunset or manifestation clauses Per-project aggregate limits where required by contract Eligibility for accounts with up to $10 million in annual sales These features make the program particularly useful for contractors who need broad additional insured language, primary/non-contributory wording, or per-project aggregate capacity to satisfy GC or owner requirements. Underwriting Notes and Minimum Premium This program is written on a non-admitted basis, which provides flexibility for harder-to-place or emerging risks. The minimum premium begins at $3,000. Submissions that include subcontracting exposures, new residential construction, or requests for higher limits are welcome — provided they meet the program’s underwriting criteria. Territories and Availability The Artisan Contractors program is available in various states through Continental Risk / Continental Marine Insurance Services. Availability and specific underwriting guidelines can vary by state — contact the Continental Risk team to confirm placement options for your client’s location. Why Work With Continental Risk / Continental Marine Insurance Services? Continental Risk brings focused contractor expertise and access to specialty capacity. Agents benefit from a program designed to address common contracting exposures and contract requirements without some of the restrictive exclusions found in other markets. The flexible underwriting approach makes it practical for both established businesses and qualified startups. Example scenarios where this program fits well: A newly formed electrical contractor seeking CGL with blanket additional insured and primary/non-contributory wording to satisfy local subcontracting partners. A small GC with mixed residential and light commercial projects that needs per-project aggregate limits and coverage for multiple trades while occasionally using subcontractors. 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. The program welcomes startup contractors provided they meet other underwriting criteria. Can the program handle subcontracting exposures?Yes. Accounts with up to 50% subcontracting costs are considered, as long as 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 insureds. Is this program admitted or non-admitted?This is a non-admitted program, allowing greater flexibility in underwriting and coverage customization. Need help placing an account? Connect with a market specialist.

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

..., painters, drywallers, plumbers, septic tank cleaners, HVAC installers, appli...

...allation Landscaping and painting Septic tank installation Solar panel install...

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

...ls Sanitation contractors Septic service companies Solid waste hau...

...rcial and residential) Sewer, septic, and pipeline contractors EIFS co...