Frequently Asked Questions

1. Can you write New Entities?
1. Yes we can consider new entities in the following two situations:
1. If in business at least 1 year with a resume showing significant construction experience as a jobsite supervisor or project manager.
2. If a partnership split up and the insured was the partner that managed the residential construction operation.
2. Do you require all insured subs or how do you handle uninsured subs?
1. We require all subs be insured with like GL Occurrence limits to the insured.
2. Uninsured subs jeopardize continued coverage for the insured.
3. Do you write Roofers (or Excavation contractors or some other trade contractor type)?
1. No we only provide coverage for the Homebuilder GC. Norman-Spencer (Brian Norman) has a trade contractor program 800-543-3248.
4. Do you write in New York?
1. Yes, depending on location. We write from Orange and Putnam Counties north. We do not write south of them or on Long Island.
5. Do you write Workers’ Compensation?
1. No, however, we have a Monoline Workers’ Comp department that will look at your insured. Call Chip Clausen at 800-970-9778 x 154.
6. Can you write a builder that has not carried insurance in the past?
1. No.
7. Do you write Re-modelers?
1. a. Yes, as long as they are not performing Fire or Flood Restoration work or Flipping Houses.

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