Contractors Insurance

M.J. Hall & Company, Inc. now offers a comprehensive Contractors Insurance program designed to help agents place a wide range of artisan and general contractor accounts.

Whether your client is a residential remodeler or a commercial contractor, it’s essential they are covered for the risks they face on the job. From bodily injury and property damage to pollution liability and complex builder’s risk exposures, our markets provide flexible solutions tailored to today’s construction professionals.

Ideal Accounts and Appetite

This program is built for a wide range of contracting risks, including but not limited to:

• Artisan Contractors
• Commercial Contractors (All Types)
• Residential Contractors and Developers
• Custom Home Builders
• Residential Remodelers
• Service Contractors and Tenant Improvement Work
• Roofing and Paving Contractors
• Swimming Pool Contractors
• Environmental Contractors and Consultants
• Contractor Pollution Liability Accounts

If you have clients involved in ground-up construction, major renovations, or specialty trades, we can help you find the right coverage solution.

Coverage Highlights and Advantages

Contractors General Liability (Primary and Excess): Available across a broad range of project types and contractor classes. Coverage can be tailored to meet individual project or client needs.

Course of Construction (Builder’s Risk):

• Available for all types of construction projects
• Optional coverages available: Soft Costs, Transit, Earthquake, Flood
• Includes “Completed but Unsold” dwellings
• Reporting form available
• Specialty application required

Underwriting Notes and Minimum Premiums

Minimum premiums vary depending on the type of contractor and coverage requested. Our underwriting team evaluates each submission individually and works to find the best fit across our network of carrier partners.

We work with multiple carriers to offer both admitted and non-admitted options in select states. Specialty and high-risk contractors are welcome to submit.

Territories and Availability

This program is currently available in:

• Alaska (AK)
• Arizona (AZ)
• California (CA)
• Nevada (NV)

Admitted coverage is available in some states; contact us for specific details by territory.

Why Work With M.J. Hall & Company, Inc.

As a trusted excess and surplus lines broker, M.J. Hall brings decades of experience in the contractor space. Our knowledgeable specialists understand the challenges your construction clients face and will help you navigate complex risks with confidence.

We provide access to a wide range of carriers and flexible solutions—whether your client is a new residential builder needing general liability and builder’s risk, or a roofing contractor with pollution exposures. Let us help you build a customized insurance package that meets your client’s unique needs.

For appointment inquiries, contact: [email protected]

For more information about Contractors Insurance, please feel free to call or email our team.