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Commercial Insurance Services

Best Choice Contractor General Liability

By July 6, 2022April 18th, 2024No Comments

Vantage Point Risk has an extensive variety of products for contractors, including general liability, property and inland marine, workers’ compensation, auto, umbrella, and surety and fidelity.

Are you eligible:

As a brokerage, we have the ability to place your insurance needs with the carrier that best fits your business. Here are a few that are eligible.

  • New ventures acceptable
    • Must have a valid contractors license unless licensing is not required by the state contractors board
  • Artisans doing new residential & commercial acceptable
  • Structural remodelers acceptable
  • Non-structural remodel work on condominiums
  • Work on apartments acceptable
    • (No NEW apartment work)
  • Up to $1.5 Million in receipts
  • Sub costs up to $100,000 or 25% of annual gross receipts, whichever is higher

For our contractors focused on the following we have options as well;

  • GC doing ground-up construction for new residential or commercial
  • Tract home developers
  • Framers
  • Roofers
  • Window installers
  • New residential foundation

Some top contractor general liability categories

  • Door/Millwork Installation – metal
  • Carpentry Interior
  • Painting Interior/Exterior
  • Plumbing Commercial
  • Tile/Stone Installation
  • Plumbing Residential
  • HVAC no LPG
  • Landscape Gardening
  • Handyman
  • Drywall

Some additional options available for most contractors include;

  • Higher limits up to $2M/$4M/$4M
  • Class Limitation Buyback
  • Multiple payment options
  • Auto-renewal available
  • Faulty Workmanship Coverage Endorsement
  • Contractors Miscellaneous Tools & Small Equipment Coverage
  • Primary wording & waiver of subrogation is available at no additional charge
  • Medical Options: $5k, $10k, $25k
  • Damage to Rented Premises: $300k, $500k, $1M
  • Optional 15% credit is available for 100% service/repair work
    • (varies by class code)

Vantage Point Risk Partners offers a variety of products for contractors, including:

  • Contractors Enhancement
    • Our proprietary GL enhancement form that includes Blanket Additional Insured for ongoing operations, Blanket Waiver of Subrogation, Per Project Aggregate, and other valuable coverages.
  • Contractors Advantage:
    • Our proprietary endorsement provides Property and Inland Marine coverages, including small tools, installation floater, business personal property, and other valuable coverages.
  • Additional Insured:
    • Available on a blanket or individual basis for ongoing and/or completed operations. Business Auto Protection: Our proprietary Commercial Auto enhancement form with 3 levels of coverage options (Plus, Gold and Platinum) and coverage upgrades beyond the standard ISO form.
  • Additional coverage options:
    • Property and Inland Marine, Workers’ Compensation, Umbrella, Surety and Fidelity, Errors & Omissions, and more.

Meeting our Client’s Workers Comp Needs

We offer services to help your clients prevent and respond to workplace injuries, including:

  • Workplace safety guidance
  • •Medical and disability management
  • Return-to-work resources
  • An efficient claims process with dedicated teams supporting workers’ comp

The best part is you have options, and Vantage Point Risk Partners is here to help you. We often find ways to save you money either with your premiums or with coverages that are missing, With access to multiple insurance carriers we can find the best fit for you.

Questions about risk? For more information about our commercial construction products and
services, schedule a consultation with us.

We have a great online tool that you can utilize for collecting your business information, this way you can complete it when you have the time, then we will do a full video review of your options and give you the option to set up a time to discuss or if ready move forward. Just follow the link above for a Free Busines Insurance Review