Feb 06 2026 18:58

Contractors General Liability Insurance: Flexible Commercial & Residential Contractor Coverage

An AM Best Rated Market Designed to Help Agents Close More Deals

 

Finding the right Contractors General Liability insurance market doesn’t have to be complicated. Agents need a solution that’s flexible, competitively priced, and easy to place—especially in today’s tightening market.

 

Our Contractors General Liability (CGL) program is built specifically with agents in mind. Backed by an AM Best Rated carrier, this program helps you quote faster, bind with confidence, and win more contractor business—without unnecessary hurdles.

 

Why Insurance Agents Choose This Contractors GL Program

 

This program is designed to make your job easier while helping you retain contractor clients long-term.

 

Key Advantages for Agents:
  • Competitive minimum premiums starting at $500
  • AM Best Rated carrier for credibility and stability
  • Flexible underwriting for a wide range of contractor risks
  • Excess limits available for larger or more complex accounts
  • Streamlined submission process to reduce back-and-forth

 

Whether you’re writing small residential contractors or larger commercial operations, this program delivers the flexibility agents need to close deals.

 

Contractors General Liability Coverage Highlights

 

Our Contractors GL program accommodates many of the risks that other markets decline.

 

Coverage Features:
  • New construction accepted, including up to 50-unit tract homes
  • 100% paper contractors and fully subcontracted work eligible
  • New ventures, coverage lapses, and no prior insurance accepted
  • Designed for both commercial and residential contractors

 

This makes it an ideal option for accounts that don’t fit into standard markets.

 

Target Contractor Classes We Write

 

This program is well-suited for a broad range of contractor classes, including but not limited to:

 

  • Roofing Contractors
  • Carpentry
  • Residential Contractors
  • General Contractors
  • Landscaping & Tree Trimming
  • Painting & Remodeling
  • Concrete Contractors
  • Electrical Contractors
  • HVAC
  • Excavation
  • And many more contractor trades

 

If your insured works in construction, there’s a strong chance this program fits.

 

Customize the Policy With Optional Coverages

 

Give your contractor clients coverage that matches their real-world exposures with optional enhancements, including:

 

  • Inland Marine coverage
  • Per Project Aggregate limits
  • Additional Insured endorsements
    • CG 20 10
    • CG 20 37

 

These options help agents tailor policies while increasing account value and retention.

 

Get a Contractors GL Quote Today

 

Ready to place business?

   ➥ Click here to access the application
   ➥ Complete the application and email submissions@soudersgroup.com  to submit the ACORD and the above supplemental
   ➥ Our team will take it from there and get your quote moving quickly

 

Write More Contractor Business With Confidence

 

If you’re looking for a reliable Contractors General Liability program that helps you close more deals and support your contractor clients, this market delivers. Competitive pricing, flexible underwriting, and an agent-friendly process—everything you need to grow your book. Reach out to us if you have any questions!