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Specialty Trade Contractors Program

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Qualification Requirements

Experienced trade-artisan contractors that perform one niche trade and subcontract 70% or more of their work with a track record of superior loss control and contractual risk transfer protocols in place.

For Envelope Trades (windows, doors, siding) 85% of work must be subcontracted. Risks Operating in the five NYC Boroughs Subcontractors must maintain Minimum $2M Umbrella or Excess.

Target classes include but are not limited to: carpentry, drywall, electrical, flooring, framing, painting, plastering, and plumbing. Will also consider contractors who provide janitorial services, masonry, communication equipment installation, metal works, plastering/stucco work, interior tile, stone & marble work, and siding installation. New ventures will be considered with 5+ years prior construction experience.

The program is underwritten by an AM Best A-Rated non-admitted carrier.

Coverage Outline:

  • Commercial General Liability, up to $2M/$4M/$4M
  • Blanket AI
  • Primary non-contributory wording
  • Employee benefits
  • No action over limitation or exclusion
  • Per project aggregate
  • Blanket waiver of subrogation
  • Includes NY Labor Law Coverage
  • Non-Admitted Program
  • GL Deluxe Enhancement Endorsement
  • EIFS Premise/Operations Coverage
  • Named Insured vs Named Insured Cross Suits Exclusion

*Availability of NY Free Trade Zone Admitted Placement in NY

Submission Requirements:

  • 5 Years Currently Valued Loss Runs
  • Minimum 3 Years in business or 6 years of construction experience
  • Acord Application & Supplemental Application
  • Copy of Subcontractor Agreement
  • Current Job List or Work in Progress outlining location, scheduled completion date, contract value, job description, and client

Applications:

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