General liability certificates, workers' comp, commercial auto — for small-business contractors in Arkansas and Minnesota. This is the line we write most.
Remodelers, handymen, painters, flooring, drywall, carpentry, landscaping, cleaning services, and most other small-business trades. New ventures welcome — first-year contractors are a big part of our book.
One application, several carriers. Contractor markets price the same trade very differently — the only way to know is to shop it. We do that, then give you the number and what it covers. No runaround.
If you're already our client, certificates usually go out the same day you ask. If you're not insured yet, a straightforward trade can often be quoted and bound within a day or two — then the certificate follows immediately.
If you work on other people's property, yes. One dropped ladder through a window, one water line hit — that's what the policy is for. And most GCs and commercial jobs won't let you on site without proof of coverage.
It depends on the state and how your subs are insured. Uninsured subs can be counted as your payroll at audit time. Tell us how your crew is set up and we'll give you a straight answer for Arkansas or Minnesota.
Trade, payroll or revenue, state, claims history, and the limits the job requires. Riskier trades pay more. The way to keep the number honest is to shop several carriers — which is what we do.
