California Contractors and Construction Project insurance
programs are structured by many California insurance brokers to charge the client huge
upfront fees for construction wrap projects or even on
standard market general liability policies, which we feel takes advantage of the client broker agreement. At Arroyo Insurance Services,
founded in 1986, we understand your business and how
important it has become to have cost effective
commercial insurance programs while trusting that your broker has
done his job in finding the best possible pricing. Now step forward to
contractor insurance rates for 2009-2010 and these points are more important
than ever. Whether you are looking at your California worker's
compensation, contractor's general liability, inland marine coverage
for your construction equipment or a construction wrap
program, we have the markets available and look forward to the opportunity to earn your business.
Below you will find information on coverages that
we offer to California Contractors.
At Arroyo Insurance Services our California contractor's insurance program will have you covered all the way from your workers compensation to equipment floaters and your completed operations. Whether you are a paper General contractor or an artisan contractor we have access to insurance programs that will not only provide the coverage you need but you will get the service and advice that comes with 50 years or experience.
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:
California Based General Contractors
Owners Contractors Protective
Remodeling General Contractors
Owner/Builders acting as General Contractors
Paper Contractors (100 percent subcontracted work)
General Liability limits up to $2 million occurrence/$3 million aggregate with
an optional umbrella/excess limits up to $25 million. Minimum
premiums as low as $500 or $750 which depends on class codes and revenue. Waivers of Subrogation, blanket additional insured available (owners, lessees or contractors), primary/non-contributory, per project aggregate limits
are also available to this class of California general contractors. Employee Benefits Liability
coverage is a simple add-on as are tool and equipment floaters.
Our California Custom Home Builder insurance solutions cover general contractors and separately insured subcontractors. With this specific coverage the intent of Custom Home Builders coverage is to cover the general contractor construction operations and products/completed operations as pertaining to California State Construction codes.
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
Artisan Contractors
Whether a roofer, plumber or electrician, dry waller or flooring installer or any one of the various artisan
fieldsArroyo Insurance Services has several artisan insurance programs available.
California 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:
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.
We have a comprehensive Janitorial insurance program that provides coverage that protects against the unique exposures faced by today’s janitorial contactors in California.
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
We write business for landscapers that provide full service landscape and design services to smaller California based landscapers that provide lawn care, sprinkler maintenance and installations, and and tree-trimming services.
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
Arroyo Insurance Services is your source of coverage for specialty contractors risks.
Excavators and Grading Contractors Insurance Program
Insulation Contractors Insurance Programs
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
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
California Excavators and Grading Contractors insurance coverage that will provides complete coverage for operations including those that are often hard to place.
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
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
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
California based Environmental Contractors, Consultants and Engineering firms can access a
combined Commercial General Liability, contractor's pollution liability and
professional liability policy that covers all services
involved in an environmental capacity. This multi-pronged policy approach is designed specifically for
California based environmental contractors and consultants. Some coverage is
also extended or available to non-environmental contactors or service firms.
Programs included but are not limited to:
Occurrence General Liability Coverage Form - Contractor's Pollution Liability Coverage (occurrence or claims-made) - Professional Liability Coverage - Pollution Liability for both professional and contracting activities - Optional extended reporting period - Optional mold coverage for qualified remediation or consulting for companies
- Environmental Consultant, Phase I, II and III Audits
- 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 (Limited basis)
- Storage Tank Testing
- Soil Testing
- Remediation Project Design
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
American General Insurance Group, Allied, Arrowhead MGA, Chubb,
Capital Insurance Group, CNA, CompWest, Deep South, Employers,
Fireman's Fund, First Comp, Golden Eagle, Great American, The
Hartford, IBA West MGA, ICW, International Facilities, Majestic,
Markel Insurance, Mercury, Nationwide, Philadelphia, Safeco,
California State Fund, Swett & Crawford Excess & Surplus Lines, Travelers,
Trinity Insurance, Trinity Underwriters, Victoria, Vulcan,
Wausau, Word & Brown, Zenith
We help our clients reduce expenses while maintaining or improving
their over all insurance coverage.
