Artisan contractor general liability programs
Electricians, plumbers, HVAC, painters, roofers and other trade contractors are often written one account at a time. A program built around a defined group of trades lets underwriting reflect how those contractors actually work: the jobs they take, the subcontractors they use and the contracts they sign.
What underwriters look at
- Revenue by trade and by state, and the mix of residential and commercial work
- Completed operations: how much work is new construction, remodel or service and repair
- Subcontractor practices: certificates, additional insured status and hold harmless agreements
- Contract terms: indemnity, additional insured and waiver requests from customers
- Excluded or limited work, such as height, roofing, wrap-ups or residential tract building
- Loss history and how the larger claims were resolved
What the program can include
- Eligibility and underwriting guidelines written around your trades, not a class average
- Endorsements contractors are routinely asked for, such as additional insured and primary and noncontributory wording, where markets offer them
- A path to add related lines such as inland marine, hired and non-owned auto or excess
- Loss control, underwriting support and Waypoint Training for your producers
What to have ready
- Revenue by class or trade and by state for the accounts in the niche
- Subcontractor practices: share of work subbed out and the requirements you enforce
- Completed operations mix and any residential or new construction work
- Currently valued loss runs, with a short note on the larger claims
- Sample contracts or certificate requirements your accounts use
How it works
- Submit your niche on Waypoint Market. It takes 5 to 7 minutes and your best estimates are fine.
- Get your Program Snapshot on the spot: the gaps to close and an underwriter's read.
- Sign our mutual NDA in about a minute and book a 25-minute submission finalization meeting to plan the program together. Waypoint Specialty licensed brokers then take the program to market.
Own a trade contractor niche?
Built for MGAs and agencies writing groups of artisan or trade contractors. Submit it in 5 to 7 minutes and see how close it is to a program of its own.
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Waypoint Market is a program-development tool of Waypoint Specialty, specialty program brokers. Information on this page is general and educational. It is not a quote, offer or commitment, and all programs are subject to underwriting review and market acceptance. Trust and security · Privacy Policy · Terms of Use