Build Your Construction Book of Business with ISC

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ISC offers a portfolio of construction insurance products through our exclusive programs and Wholesale division for a wide range of contractors. With ISC as your partner, you can provide contractors with General Liability, Excess Liability, Professional Liability, Tools & Equipment, Builder’s Risk, andhi Workers’ Compensation insurance. Here’s an overview of our products.

General Liability (GL) Insurance

Provide your clients with coverage for third-party liability risks with ISC. Our exclusive GL program includes four different products to address the various needs of each contractor, depending on their size, type of work they perform, exposures, and contractual requirements. Our programs include the Standard Contractors GL, the PLUS Contractors GL, Advantage Contractors GL, and Premier Contractors GL.

Excess Liability Insurance

You can offer additional limits beyond the coverage available on primary policies. We provide Excess Liability coverage over our Standard and Plus Contractors GL programs. Limits are available up to $2 million and up to $5 million upon approval. We also offer Excess Liability over our Premier Contractors GL program as well as unsupported accounts with limits up to $5 million. Both programs are available in all 50 states. For details, please visit our Excess Liability page.

Professional Liability Insurance

ISC-appointed agents can quote and bind Professional Liability coverage for general contractors and artisan subcontractors online through our partnership with Hiscox NOW. Featured classes of business include carpentry, flooring, framing, HVAC/plumbing, irrigation, lighting, masonry, painting, renovations, solar, and more.

You can quote and bind online for same-day coverage. Coverage is available nationwide except in Alaska, California, Hawaii, Virginia, and Washington. The policy provides a limit of $2 million for bodily injury, property damage, and personal injury coverage as a direct result of the insured’s professional services.

Builder’s Risk Insurance

Insure new commercial and residential construction and renovations with ISC’s exclusive nationwide Builder’s Risk program. Limits up to $2 million TIV are available. The policy can be written for 3, 6, 9, or 12 months. Actual cash value and replacement cash value are available. Quote, bind, and issue policies online.

Tools & Equipment Insurance

Protect contractor tools and equipment while in transit and at the job site. With ISC’s Tools & Equipment program, you can cover standard or heavy equipment, provide rental coverage for rented or leased equipment, and offer short-term coverage options. We have a package and stand-alone option. The program is available in all 50 states.

Pollution Liability Insurance

Add Contractors Pollution Liability insurance through our Wholesale Division to protect contractors from the broad range of operational and transportation pollution exposures they face. Our Contractors Pollution Liability policy, available nationwide, covers third-party bodily injury and property damage, defense costs, and cleanup expenses. Limits up to $25 million are available.

We will also be launching an exclusive Contractors Pollution Liability product for smaller contractors, with a broad range of limits, including affordable low limits.

Workers’ Compensation Insurance

Through our Wholesale division, you can round out accounts with access to various Workers’ Compensation markets, which include contractor classes. Just submit and bind coverage on our platform.

In addition, ISC agents can access our exclusive Contractor Program with Pie Insurance to provide self-employed and independent contractors with a Ghost policy. You can also offer general contractors (GCs) with a high subcontractor exposure a Workers’ Compensation policy. The policy is available in many states.

A Workers’ Compensation Ghost policy helps self-employed, independent contractors, and paper GCs land more projects and comply with state laws. It acts as proof of Workers’ Compensation insurance for clients who request it or states that legally require it.

With our exclusive program, you can quote GCs with a subcontractor exposure of over 50% and up to 100%.

Expand your footprint in construction and provide your clients with a comprehensive insurance program with ISC as your partner.

 

 

NOTE: The insuring agreement in a policy sets out the covered perils, assumed risks, and nature of coverage that the insurance company provides to its insured in exchange for the premiums paid. Thus, the terms and conditions of the policy will dictate whether coverage exists and the nature of any potential benefits.