General contractors will hire artisan contractors to perform some or all of the work. There are two “types” of General Contractors (GC). The first one will sub out 100% of the work, insurance companies call this type of GC a paper GC. When it comes to insurance many insurance companies will not look at covering a GC subs out all the work. The reason is around the subcontractor exposure. The second is your traditional GC. The traditional GC will have some direct employees and only sub out a portion (30%) of the work based on skill, appetite, or code work. Your agent will ask what is your annual sub costs to position you with the correct insurance company based on the sub work percentage. This will help reduce any surprises and audit time.


Have you experience insurance claims in the past?  Our agents can provide resources to identify, manage, and lower the risk of future losses. Understanding your insurance losses can not only help prevent future claims, but can also lower your future insurance premiums.  Call us today!


Risk management directly affects insurance losses and premiums. The lack of risk visibility can negatively impact your business. Our team can help assist you and your risk team in identifying and mitigating several areas of risk for your business and provide insurance coverage on the areas that still present a level of risk. Call us […]


We offer a wide variety of insurance policies for the construction industry, whether you only need a general liability, business auto, worker’s compensation or some a little more project specific like a OCIP we have your covered. If you work or looking to work in some of the up and coming industries, we have emerging […]

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