Contractors Insurance

Burns & Wilcox > Contractors Insurance

Who can hammer out a solution for
any remodeling Contractors Policy?

At Burns & Wilcox, we have you covered — from course of construction defects to employee mishaps and job site hazards. Our national network of experienced underwriters and brokers has strong relationships with specialty markets, making sure your client gets the quickest turnaround and most competitive rates possible. Plus, a Contractors Coverage policy from Burns & Wilcox carries broad protection and flexible solutions uniquely tailored to each risk. So if you’re looking for an insurance company with the speed, intelligence and agility to take care of your client’s contracting job, look no further than the professionals at North America’s largest specialty insurance wholesaler.

General Contractors

Hammer the competition with Burns & Wilcox’s General Contractors coverage.

Program Features

Coverage is available for commercial general contractors and residential general contractors who have administrative or managerial responsibility for commercial and residential construction projects. These contractors supervise work performed by direct employees and insured subcontractors. Residential and commercial contractors include:

  • General Contractors (state restrictions apply for new residential construction)
  • Owners Contractors Protective (OCP)
  • Remodeling General Contractors
  • Owner/Builders acting as General Contractors
  • Paper Contractors (100 percent subcontracted work)

Coverage/Limits Available

  • General Liability limits up to $2 million occurrence/$3 million aggregate
  • Umbrella/Excess limits up to $25 million
  • Minimum premiums as low as $500 or $750 (depending on class)
  • Waiver of Subrogation, blanket additional insured available (owners, lessees or contractors), primary/non-contributory, per project aggregate limits
  • Employee Benefits Liability
  • Tool and Equipment Floater

Prohibited Operations

  • Discontinued operations coverage
  • Underpinning or soil stabilization operations or earthquake reinforcing or retrofitting
  • Risks with past/pending construction defect claims
  • Asbestos removal or mold/spore treatment and removal
  • Fire and water restoration contractors
  • Use of EIFS (synthetic stucco) prohibited with the exception of:
    • Commercial metal/steel/frame structures only
    • Restricted to new construction method with drainage channel
    • Operations with at least three years experience
    • No prior claims associated with EIFS application

Forward the completed General Contractors Application/Questionnaire to a Burns & Wilcox representative for a quote.

Custom Home Builders

Burns & Wilcox offers a Custom Home Builders program (state restrictions apply) for contractors who build 12 or less home per year. Our program covers general contractors and separately insured subcontractors.

Program Features:

The intent of Custom Home Builders coverage is to cover the general contractor construction operations and products/completed operations.

Coverage/Limits Available

  • General Liability limits up to $2 million occurrence/$3 million aggregate
  • Umbrella/Excess limits up to $25 million
  • Minimum premiums from $7,500
  • Employee Benefits Liability
  • Exposures include construction project premises and products and/or completed operations
  • Waiver of Subrogation, blanket additional insured available (owners, lessees or contractors), primary/non-contributory, per project aggregate limits

Forward the completed General Contractors Application to a Burns & Wilcox representative for a quote.

Artisan Contractors

Whether a roofer, plumber or electrician, Burns & Wilcox has several artisan insurance programs intended for installation, service and repair subcontractors.

Program Features

Artisan contractors are usually performing the work for hire for building owners and general contractors and apply to both new construction and renovation projects. Our artisan coverage offers crime inside premise (theft of money and securities) and outside of premises and various property such as contractors’ equipment, outside signs, valuable papers and contents.

The types of artisan contractors Burns & Wilcox covers include, but are not limited to:

  • Plumbers
  • Roofers
  • Carpenters
  • Electricians
  • Painters
  • Marine
  • Drywallers
  • Janitors
  • Landscapers

Coverage/Limits Available

  • General Liability limits up to $2 million occurrence/$3 million aggregate
  • Umbrella/Excess limits up to $25 million
  • Per project aggregate available
  • Employee Benefits Liability
  • Not exceeding 50 percent subcontracted work
  • Waiver of Subrogation, blanket additional insured available (owners, lessees or contractors), primary/non-contributory, per project aggregate limits

Forward the completed Artisan Contractors Application to a Burns & Wilcox representative for a quote.

Janitorial

Clean up on new business with Burns & Wilcox’s comprehensive Janitorial coverage that protects against the unique exposures faced by today’s janitorial contactors.

Coverage/Limits Available

  • General Liability limits up to $2 million occurrence/$3 million aggregate
  • Umbrella/Excess limits up to $25 million
  • Contractor’s Equipment Floater
  • Rental reimbursement for damaged equipment
  • Lost Key Coverage up to $25,000
  • Employee Benefits Liability
  • Property damage for $5,000 per each occurrence and $25,000 aggregate
  • Hired and non-owned auto
  • Waiver of Subrogation, blanket additional insured available owners, lessees or contractors), primary/non-contributory, per project aggregate limits

Prohibited Operations

Prohibit operations involving: aircraft, fire/water clean up, floor waxing over 75 percent, mold or spore remediation, off-shore oil rigs, pressure cleaners, restaurant vent cleaning, sandblasting, snow removal, transportation terminals.

Forward the completed Janitorial Application to a Burns & Wilcox representative for a quote.

Landscaping

Trim, shape and manicure your business with Burns & Wilcox’s landscaping program. The program is designed for landscape contractors providing lawn care, sprinkler maintenance and installations, and incidental tree-trimming services. Incidental snow removal coverage also is available.

Coverage/Limits Available

  • General Liability limits up to $2 million occurrence/$3 million aggregate
  • Umbrella/Excess limits up to $25 million
  • Minimum premiums as low as $750
  • Contractor’s Equipment Floater
  • Deductible as low as $500
  • Employee Benefits Liability
  • Lost Key Coverage up to $25,000
  • In-transit pollution coverage of $25,000 per occurrence/$100,000 aggregate
  • Property damage for $5,000 per each occurrence and $25,000 aggregate
  • Non-owned auto up to $5,000 per person and $1 million for each occurrence
  • Waiver of Subrogation, blanket additional insured available (owners, lessees or contractors), primary/non-contributory, per project aggregate limits

Prohibited Operations

  • Crop spraying
  • Sale of fruit trees and seeds
  • Pesticides/Herbicide treatment if more than 50 percent of gross sales

Forward the completed Landscaping Application to a Burns & Wilcox representative for a quote.

Specialty Contractors

For risks that are not classified as environmental, Burns & Wilcox is your source of coverage. Non-environmental contractor classes include, but are not limited to:

  • Excavators and Grading Contractors
  • Insulation Contractors
  • Street and Road Contractors
  • Welding, Brazing and Cutting
  • Water and Sewer
  • Swimming Pool Contractors, Dealers, Installers
  • Demolition Contractors

Coverage/Limits Available

  • General Liability limits up to $2 million occurrence/$3 million aggregate
  • Umbrella/Excess limits up to $25 million
  • Deductible as low as $1,000
  • Employee Benefits Liability
  • Contractors Pollution Liability Policy (CPL) provides coverage for third-party claims, bodily injury and property damage, including clean-up costs resulting from pollution conditions arising from operations of a non-environmental contractor.
  • Waiver of Subrogation, blanket additional insured available (owners, lessees or contractors), primary/non-contributory, per project aggregate limits

Forward the completed Specialty Contractors Application to a Burns & Wilcox representative for a quote.

Swimming Pool Contractors, Dealers and Installers

Don’t let profits sink. Use Burns & Wilcox’s Swimming Pool Contractors, Dealers and Installers program to cover those contractors whose primary job is excavation, construction, installation, service, repair, renovation of in-ground or above-ground swimming pools, hot tubs and spas.

Coverage/Limits Available

  • General Liability limits up to $2 million occurrence/$3 million aggregate
  • Umbrella/Excess limits up to $25 million
  • Minimum premiums as low as $1,000
  • Employee Benefits Liability
  • Chemical applicator coverage
  • Pool Pop-Up coverage of $50,000 occurrence/$100,000 aggregate
  • Waiver of Subrogation, blanket additional insured available (owners, lessees or contractors), primary/non-contributory, per project aggregate limits

Forward the completed Swimming Pool Contractors, Dealers & Installers Application to a Burns & Wilcox representative for a quote.

Excavators and Grading Contractors

Breaking ground on a new project, let Burns & Wilcox’s Excavators and Grading Contractors coverage give you piece of mind.

Coverage/Limits Available

  • General Liability limits up to $2 million occurrence/$3 million aggregate
  • Umbrella/Excess limits up to $25 million
  • Employee Benefits Liability
  • Confirmation that underground utilities are flagged prior to operations is required

Prohibited Operations

  • Installation/removal of underground tanks
  • Tunneling
  • Dam Constructions
  • River Channeling
  • Mining
  • Landfills
  • Public street or Road Construction
  • Equipment Rental without operator
  • Site preparation work for condominiums or townhouses
  • Waiver of Subrogation, blanket additional insured available (owners, lessees or contractors), primary/non-contributory, per project aggregate limits

Forward the completed Excavation Supplemental to a Burns & Wilcox representative for a quote.

Demolition Contractors

Tearing down a building or structure, let Burns & Wilcox’s Demolition Contractors coverage takes the worry out.

Coverage/Limits Available

  • General Liability limits up to $2 million occurrence/$3 million aggregate
  • Umbrella/Excess limits up to $25 million
  • Minimum premiums as low as $5,000
  • Deductible as low as $2,500
  • Employee Benefits Liability
  • Salvage sales on project basis per job rates

Prohibited Operations

  • Any hazardous material exposure if insured is responsible for removal
  • Any use of explosives by the insured
  • Removal of underground tanks

Communications Equipment Contractors - Residential

Part of Burns & Wilcox Inland Marine class, our Communications Equipment Contractors policy provides coverage for residential and commercial installation, service and repair of inside communications systems, including, television cable and satellite dishes, computers, telephone and other electrical equipment relating to communications.

Coverage/Limits Available

  • General Liability limits up to $2 million occurrence/$3 million aggregate
  • Umbrella/Excess limits up to $25 million
  • Errors & Omissions extension
  • Property damage extension included up to $200,000 occurrence/$300,000 aggregate limits
  • Employee Benefits Liability
  • Lost Key Coverage of $25,000
  • Waiver of Subrogation, blanket additional insured available (owners, lessees or contractors), primary/non-contributory, per project aggregate limits

Forward a completed General Liability Application to a Burns & Wilcox representative for a quote.

Enviornmental Contractors and Consultants/Engineers

Burns & Wilcox’s combined Commercial General Liability, Contractor's Pollution Liability & Professional Liability policy is the flagship product within the environmental coverage we offer. This multi-coverage policy is designed specifically for environmental contractors and consultants. Some coverage also is available to non-environmental contactors or service firms.

Program Features

  • ISO Based Occurrence General Liability Coverage Form
  • Contractor's Pollution Liability Coverage (occurrence or claims-made)
  • Professional Liability Coverage (claims-made)
  • Pollution Liability for both professional and contracting activities
  • Optional extended reporting period
  • Optional mold coverage for qualified remediation or consulting for companies

Coverage provided for, but not limited to:

  • Environmental Consultant, Phase I, II and III Audits
  • Storage Tank Testing
  • Soil Testing
  • Remediation Project Design
  • Hazardous Waste Contractor
  • Soil Remediation Contractor
  • Ground Water Remediation Contractor
  • Emergency Response Contractor
  • Above Ground and Underground Storage Tank Removal Contractor
  • Superfund Clean-up Contractor
  • PCB Remediation Contractor
  • Brownfield Remediation Contractor
  • Industrial Hygiene Firms
  • Environmental Regulatory Consulting and Permitting
  • Mold Remediation and/or Consulting (some limitations may apply)

Coverage/Limits Available

  • General Liability/Contractors Pollution Liability/Professional Liability limits up to $5 million
  • Umbrella/Excess limits up to $25 million
  • Minimum premiums as low as $2,500
  • Deductibles as low as $250 for General Liability, $1,000 for Contractors Pollution Liability, $1,000 for Professional Liability
  • Limited Employee Benefits or Employer Liability
  • Hired and non-owned auto
  • Contractors Pollution Liability Policy (CPL) – coverage for third-party claims, bodily injury and property damage, including clean-up costs resulting from pollution conditions arising from operations of a non-environmental contractor.
  • Waiver of Subrogation, blanket additional insured available (owners, lessees or contractors), primary/non-contributory
  • Multi-year project policies
  • Project specific aggregates or designated aggregate endorsements

Forward the completed Environmental Contractors and Consultants/Engineers Application to a Burns & Wilcox representative for a quote.