Coverage Features

Commercial General Liability: $1MM per occurrence/$2MM annual aggregate
Inland Marine for tools and equipment: Unscheduled up to $10,000 or scheduled options available
Contractor Bonds: License, Permit, and Dishonesty
Excess Liability: Up to $5MM available for certain classes
Contractor’s Pollution Liability (not available on all policies): Limit options from $500,000/$500,000 to $2MM/$2MM

GCGuard is well-suited for:

Residential remodelers and General Contractors
Paper GCs
Residential and Commercial Artisan/trade contractors including:
– Plumbers
– Carpenters
– Painters
– Drywall
– HVAC
– Electrical
– Roofers
Custom home builders
Handy person
100+ eligible classes

Underwriting Requirements

Completed ACORD forms 125 & 126 required to bind

Completed contractors supplemental application (paper or online) – Download here

New Ventures:

New ventures as an artisan contractor are acceptable but must demonstrate at least 3 years in the trade (5 years for plumbers).

General Contractors:

Eligibility for GCs varies from state to state. While some of our partners require the GC to be on-site and “hammer in hand,” 100% paper GCs are acceptable to others.

Subcontractors

All subcontractors must be insured and name the GC as an additional insured.

Loss Runs

If a loss occurred in the last 3 years, hard copy loss runs and an explanation of loss control steps taken are required with submission.

Applications

Completing the GCGuard application online will provide the best service and the least delay.
Select as many or as few policies as the application should represent. Only relevant questions will be presented.
Class-specific supplemental applications, if applicable, may be required.

To speak to someone about class-specific eligibility, call Seth Markum at 816-398-4058.

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