Coverage for Business Challenges

Designed to provide coverage to trade contractors subcontracting out a minimum of 30% of their labor and material costs to adequately insured subcontractors. (Eligibility specific to underwriting review).

Product Offering

  • General Liability
    • Up to $2M/$4M Limits
    • Annual or project specific placements considered
    • OOPS Coverage available

Submission Requirements

  • Commercial Insurance  ACORD App #125
  • Commercial General Liability ACORD App #126
  • Coaction – STC Supplemental Application
  • 5 years of currently valued General Liability and Workers Compensation loss runs, Valuation date must be no more than 90 days prior to the effective date of the policy
  • Description of Operations and/or Company Narrative
  • Sample Subcontractor Agreements
  • Updated and detailed job list with addresses, market values and/or total cost, and description of work
  • Current Workers Compensation policy or dec page

Target Class Codes

Class Code General Description
59914 Metal Works – Shop – Decorative or Artistic
91111 Air Conditioning Systems or Equipment—Dealers or Distributors and Installation, Servicing or Repair
91340 Carpentry – Construction of Residential Property Not Exceeding Three Stories in Height
91341 Carpentry – Interior
91342 Carpentry – NOC
91629 Debris Removal – Construction Site
91746 Door, Window or Assembled Millwork – Installation, Service or Repair – Metal
92338 Drywall or Wallboard Installation
92451 Electrical Apparatus – Installation, Servicing or Repair
94276 Fence Erection
92478 Electrical Work – Within Buildings
94569 Floor Covering Installation – Not Ceramic Tile or Stone
95647 HVAC – Dealers or Distributors and Installation – No LPG Sales or Work
95648 HVAC – Dealers or Distributors and Installation, Servicing or Repair
96409 Insulation Work – Organic or Plastic in Solid State
96816 Janitorial Services
97447 Masonry
98304 Painting – Exterior – Buildings or Structures – Three Stories or Less in Height
98305 Painting – Interior Buildings or Structures
98344 Paper Hanging
98449 Plastering or Stucco Work
98482 Plumbing – Commercial and Industrial
98483 Plumbing – Residential or Domestic
98967 Siding Installation
98993 Sign Erection, Installation, or Repair
99746 Tile, Stone, Marble, Mosaic, or Terrazzo Work – Interior Construction


  • The insured must keep executed subcontractor agreements and certificates of insurance for all subcontractors for a minimum of 8 years. These documents must be maintained and available for review during final audit and at policy expiration.
  • Prospective insureds must be in business performing similar work for a minimum of 5 years to gain eligibility into the program. If this cannot be met, following additional information is required for consideration:
    • Resume highlighting experience and qualifications within the industry showing a minimum of 6 years related experience.

Ineligible Segments

  • Pollution coverage
  • General Contractors
  • Residential Home Builders
  • Abatement/hazardous material work performed directly by the insured
  • Risks performing work on behalf of box stores including but not limited to Home Depot, Lowes, and Pella Windows.
  • Solar Energy Contractors
  • Demolition Contractors
  • Pest Control Contractors
  • Scaffolding Contractors
  • Crane Operators
  • Excluded Territories: NY & NJ

Underwriting Teams

VP, Primary Casualty

Allison Thayer

M +1 (404) 933-4559