https://completemarkets.com/company/pacific-coast-e-s-insurance-services/General-Contractor-Insurance/
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General Contractors Insurance Program from Pacific Coast E&S Insurance Services
Getting started in the contracting world takes more than just owning a business—it takes experience, licensing, the right tools, a skilled crew, and most importantly, reliable insurance coverage. At Pacific Coast E&S Insurance Services, we help insurance agents like you find the right markets for your general contractor clients, even when others won’t take the risk.
Since 1996, we’ve specialized in placing hard-to-insure contractor risks across multiple classes. Whether your client is a new venture or a seasoned builder handling large projects, our markets are designed to accommodate a wide range of contractor needs. Our strength lies in our flexibility, in-house underwriting authority, and access to multiple A-rated carriers.
Ideal Accounts and Target Classes
We offer coverage for nearly all types of contractors, including those performing high-risk or specialized work. Our target classes include, but are not limited to:
• Residential Buildings
• Framing Contractors
• Roofing Contractors
• Residential Developers
• Oil-Related Work
• Paper General Contractors
• Window Washers
• Waterproofers
• Artisan Contractors
• Subcontractors
• Remodelers
• General Contractors
• Plumbers
• LPG Contractors
• Elevator Contractors
• Millwrights
• Demolition Contractors
• Sandblasters
• Bridge and Road Contractors
• Welders
• New Ventures
• + Many More
From small artisan operations to large commercial builders, we have a broad appetite. We do not impose restrictions on tract homes, project size, or percentage of subcontracted work—making this an ideal solution for many hard-to-place accounts.
Coverage Highlights and Advantages
Commercial general liability limits up to $1M per occurrence / $2M aggregate
Deductibles as low as $500
Minimum premiums starting at $1,500
Non-admitted program with flexible underwriting
Substantial in-house underwriting authority for fast turnarounds
Access to multiple A-rated carriers
You might have a client who’s just launched their own roofing business or a residential developer managing several subcontractors—both are great fits for our program. We are comfortable with complex and higher-risk operations that many standard markets avoid.
Underwriting Details and Minimum Premiums
Our minimum premium starts as low as $1,500, with deductibles beginning at $500. We can work with new ventures and established contractors alike. Our in-house underwriters can quickly assess your submission and provide competitive terms with minimal delay.
Territories and Availability
This program is available in California, Oregon, and Washington. We focus on West Coast contractors and understand the unique challenges and regulatory environments in each of these states.
Why Work With Pacific Coast E&S Insurance Services?
As a wholesale broker with over two decades of experience in contractor risks, Pacific Coast E&S Insurance Services brings deep market access and underwriting expertise to every submission. We know the complexities of the general contracting world and are committed to helping agents secure reliable, comprehensive coverage for their clients—no matter how challenging the risk.
Let us help you place your next contractor account. Whether it’s a new venture welder, a high-rise window washer, or a demolition contractor, we can provide quick quotes and responsive service.
Frequently Asked Questions
What types of accounts are a good fit for this General Contractors program?We target a wide range of contractor classes including general contractors, roofers, remodelers, artisan trades, and even high-risk categories like demolition and oil-related work.
Can new ventures qualify for coverage?Yes, we are open to new ventures. Our underwriting team evaluates each submission individually and can often provide terms even for startups.
Is subcontracted work allowed under this program?Yes, there are no restrictions on the amount of work subcontracted. We are comfortable with accounts that have significant subcontractor exposure.
What states is this program available in?Our General Contractors program is available in California, Oregon, and Washington.
What are the minimum premiums and deductible options?Minimum premiums start at $1,500, and deductibles can be as low as $500, depending on the risk profile.
Need help placing an account? Connect with a market specialist.
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https://completemarkets.com/company/ipmg/workers-compensation/
For more than 15 years, Insurance Program Managers Group (IPMG) has served as a trusted wholesale broker for agents and brokers placing Workers Compensation Insurance. With deep underwriting experience across a wide range of industries and access to multiple A-rated carriers (admitted and non-admitted as available), IPMG helps you secure competitive, tailored coverage for clients with routine and more challenging exposures.
Ideal Accounts and Target Industries
IPMG has the underwriting expertise and market access to handle a broad spectrum of Workers Compensation classes. Our appetite includes, but is not limited to:
Contractors and construction-related businesses
Healthcare providers and facilities
Manufacturing operations
Auto dealerships and service centers
Trucking and transportation firms
We routinely consider accounts with elevated experience modification factors, complex loss histories, and other loss-challenged characteristics that can be difficult to place in standard markets.
Example: You might have a client operating a regional trucking company with a 1.45 mod and prior losses—IPMG can compile submissions to multiple carriers and help you explore competitive placement options while addressing underwriting questions up front.
Program Highlights and Value-Added Services
Access to multiple A-rated carriers (admitted and non-admitted where available)
Minimum premiums starting around $500, with capacity for accounts sized to $1M+
Same-day quoting available on many classes when you supply a complete submission
Wide range of eligible class codes and flexible underwriting for complex risks
Markets that will consider high-mod and otherwise challenging accounts
Monthly reporting and other policy servicing options
Competitive commissions for agents
Additional risk management services available to help control losses and improve safety
Submission Requirements
To help us deliver fast, accurate indications and bindable quotes, include the following with your submission:
Completed ACORD application with a clear description of operations
3–5 years of currently valued loss runs
Current experience modification rating (if applicable)
Providing clear payroll breakdowns and a summary of any loss control efforts or return-to-work programs will improve placement results.
Territories and Availability
IPMG offers Workers Compensation solutions in most U.S. states. We are actively writing business in over 45 states and Washington, DC, including: AK, AL, AR, AZ, CA, CO, CT, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, DC. Carrier availability and program structure may vary by state.
Why Partner With IPMG?
IPMG focuses on getting difficult and standard Workers Compensation accounts placed quickly and competitively. Our team provides responsive underwriting, broad broker relationships, and workflow support so you can win new business and retain clients. We combine market access with practical risk management resources to help control cost and improve renewal outcomes.
Frequently Asked Questions
What types of accounts are a good fit for IPMG's Workers Compensation program?We write a wide range of classes, including contractors, healthcare providers, manufacturers, dealerships, and trucking companies. We also consider higher-mod or loss-challenged risks that standard markets may decline.
What is the minimum premium for this program?Premiums generally start around $500 and scale based on class, payroll and exposure. We handle accounts from small businesses up to $1M+ premium size.
How quickly can I get a quote?Same-day quotes are available for many classes when you submit a complete package: ACORD application, current loss runs, and experience mod (if applicable).
Which states are eligible for this program?IPMG is active in most states, including CA, TX, FL, NY and many others—carrier options and program structure vary by state.
Does IPMG offer risk management support?Yes. We can connect you and your clients with additional risk management services designed to improve workplace safety and control claims cost.
Need help placing an account? Connect with a market specialist.