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Residential, Commercial and Industrial General Contractors


U.S. Risk offers underwriting expertise and relationship access at your fingertips, with underwriting authority to quote, bind, and issue with many insurers.

$500 Minimum Premium

  • Contractors – Sub work – One- or two-family dwellings (91583)
  • Contractors – Executive Supervisor (91580)
  • Carpentry – Residential (91340)
  • Carpentry (91342, 91341)
  • Handypersons (95625)
  • Contractors – Sub Work – Buildings (91585)
  • Machinery or Equipment – Installation, service, repair or erection (97223, 97222)
  • Excavation (94007)
  • Janitorial Services (96816)
  • Remodelers (91313)
  • Roofing – Residential (98678; MP varies)
  • Welding (99969)
  • Residential GCs who repair or remodel (carpentry, framing, drywall, etc., who also offer retrofitting; no new residential)
  • Residential Artisan Contractors
  • Commercial GCs
  • Construction Managers
  • Home Builders
  • Land Developers – Commercial and Residential
  • Industrial and Consumer Products Driven

$5,000 Minimum Premium

  • Artisan Trade and Subcontractors
  • General Contractors
  • Owners Interest / GC Combination
  • Paper GCs
  • Construction Managers
  • Designer-led / Design / Build
  • Interior Build-Outs / Renovations
  • Boiler and Tanks
  • Cable and Power Lines and General Utility
  • Contractors / Farm Equipment
  • Demolition (except NY)
  • Drilling – Water, Gas and Geothermal
  • Excavation
  • Metal Erection
  • Painting
  • Pipeline Construction
  • Plumbing
  • Sewer, Gas and Water Mains (except NY)
  • Street and road (except NY)
  • Welding

$4,500 Minimum Premium

Commercial Contractors only:

  • General Contractors
  • Water, Sewer, Street and Road
  • Electrician, Plumbers, Pipefitters
  • Excavation, Grading, Cell Tower Erection
  • Service Contractors, pressure washing, lease work
  • Painting and sandblasting
  • Welding contractor
  • Casing contractors, mud logging, compressor repair

Manufacturers:

  • Heavy equipment, material handling equipment
  • Valves, flanges, pumps, compressors
  • Trailers, skids, fabrication shops

  • ACORD application
  • Contractor supplemental application
  • 3+ years current loss runs (valued within 60 days)
  • New ventures

Charles Espinosa
Senior Vice President, U.S. Risk San Francisco
(628) 895-0444
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