Commercial Umbrella for contractors

Requirements vary, but $2M–$5M umbrella is common for residential work, $5M–$10M for commercial projects, and $10M+ for large public works and complex commercial. Always read your subcontract insurance schedule before bidding.

No. Umbrella extends liability coverage only. Your tools need a separate inland marine tools floater.

Yes. NPN #8608479, licensed to write and service contractor insurance programs in every state.

Once coverage is bound, we typically issue certificates within minutes. Same-day certs are standard.

We shop A.M. Best A-rated and A+ rated specialty contractor markets — not personal lines carriers or surplus lines scraps.

We have markets that write contractors with claims history. We'll need 3–5 years of loss runs to structure the right program.

We shop multiple markets and often match or beat current pricing — especially if you haven't been marketed recently. Send us your current dec page.

We assist with claims reporting and advocacy. Contact us immediately after a loss and we'll guide you through the process.

Basic business info: trade type, years in business, annual revenue or payroll, number of employees, states you work in, and 3–5 years of loss runs if available.

Yes. We can bundle GL, commercial auto, tools, and inland marine into a commercial package that simplifies billing and can reduce total premium.

Yes. Additional insured endorsements, waivers of subrogation, and primary/non-contributory language are standard and typically issued same-day.

Minimums vary by carrier and coverage line. GL minimums typically start around $500–$750 for the smallest contractors. We'll tell you upfront.

We'll reach out 60–90 days before your renewal to review your program, re-shop markets if needed, and ensure your limits still match your contracts.

A BOR letter transfers your existing policy to Contractors Choice Agency so we can service it and compete for your renewal. It doesn't change your coverage or premium mid-term.

Yes. We place license bonds, performance bonds, payment bonds, and bid bonds alongside your insurance program.

California, New York, and New Jersey typically have the strictest licensing and insurance requirements. Florida has specific requirements for roofing and storm work. We know all of them.