Demolition Contractors

Providing general liability, auto, pollution, and excess coverage for wrecking and/or salvage operations in most states.

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DemoPro®, our insurance program for demolition contractors, provides coverage for wrecking and/or salvage operations in most states. Program highlights include superior claims and loss control service, as well as local rating and underwriting.

 

Target Classes

  • Wrecking Building or Structures
  • Salvage Operations

*At least 75% of GL receipts must come from these classes 

 

Other Allowable Operations (up to 25%)

  • Excavation
  • Concrete construction
  • Grading of land
  • Landscaping

 

Ineligible Operations

  • No demolition contractors where more than 25% of demolition operations are subbed out to others
  • Wrecking ball and/or blasting performed by the insured

 

Coverages

  • General Liability
  • Automobile
  • Pollution
  • Excess

 

Availability

All states except Alaska and Hawaii

 

Limits

  • General Liability
    • General Aggregate $4,000,000
    • Products/Completed Operations Aggregate $2,000,000
    • Personal & Advertising Injury $1,000,000
    • Each Occurrence $1,000,000
    • Fire Damage $100,000
    • Medical Expenses $5,000
    • Contractors Pollution Liability Coverage available
    • Per occurrence deductibles of up to $25,000 either on an individual BI and PD basis as well as a BI/PD combined available
  • Auto - $1,000,000 CSL

 

Minimum Premium

$10,000 General Liability

 

Carrier

  • A.M. Best “A”' rated carrier
  • Non-Admitted paper for GL and Excess
  • Admitted for all other lines

  

Requirements

  • 75% of operations must be derived from demolition-related activities
  • Completed Acord application
  • Demolition Contractors Supplemental Application
  • Currently values loss runs for the past five years
  • Narrative of any losses in excess of $50,000
  • Current balance sheet and most recent audited financial statement including notes or D&B equivalent
  • Signed TRIA upon building
  • If employee leasing is done, a copy of the lease agreement
  • Copy of the safety program if one is in place
  • Details of all operations, including discontinued or sold operations, and new acquired operations
  • Current drivers list and MVRs