Work Coverage Matters
The work being performed matters as much as the trade itself.
Contractors can face liability from third-party bodily injury, property damage, completed operations, subcontracted work, and the environments in which they operate. Understanding those exposures upfront helps underwriters assess the risk more accurately and identify where additional information may be needed.
Understanding those exposures upfront helps underwriters assess the risk more accurately and identify where additional information may be needed.
Helpful details to include:
• Detailed description of operations
• Residential vs. commercial split
• New construction vs. renovation work
• Annual revenue and payroll
• Percentage of work subcontracted
• Typical contract values
• Maximum height or depth exposure
• Hot work, excavation, shoring or underpinning exposure
• Prior claims or loss history
Clear operational details help make sure the submission reflects what the contractor actually does day-to-day, rather than relying on a broad trade description
Need a Second Look?
If you’re working on a contractors’ liability risk, send it our way!
Our team is happy to review the submission and explore options for both straightforward and more complex contractor exposures.
Send your submission to: submissions@huddleuw.com
Or, call us directly: 905-595-8551