GC and Artisan Subcontractors Professional Liability Available to ISC Agents Through Hiscox NOW

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ISC-appointed agents have access to quote and bind Professional Liability coverage for general contractors and artisan subcontractors online through our partnership with Hiscox NOW. The coverage is available nationwide except in Alaska, California, Hawaii, Virginia, and Washington.

What’s Covered?

Professional Liability, also known as E&O insurance, protects general contractors and artisan subcontractors in lawsuits resulting from their professional services. Claims may involve allegations of negligence and faulty workmanship.

The policy provides defense costs, including appointing an attorney, regardless of whether the claim has merit. It also 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. In addition, coverages for FHA/OSHA/ADA regulatory proceedings with administrative hearings, with a $5,000 limit each, are included.

Deductibles range from $2,000, with premiums starting from $270 per year. The revenue limit is $10 million.

Unique Coverage Features with Hiscox’s Professional Liability Policy

Hiscox’s admitted product provides several distinct coverage features:

  • Faulty workmanship for claims alleging faulty or inadequate skill, quality, or craftsmanship or the use of defective materials ($50,000 limit; excludes general contractors)
  • Job site pollution liability for claims arising from the discharge of pollutants resulting from work at a job site ($100,000 limit)
  • Incidental design exposures

Hiscox has a broad appetite, too. Featured classes of business include carpentry, flooring, framing, HVAC/plumbing, irrigation, lighting, masonry, painting, renovations, solar, and more.

You can write the policy as a stand-alone or packaged with another Hiscox product. The insured must have an active General Liability policy in place.

It’s Easy to Quote and Bind Coverage

With Hiscox NOW, you can quote and bind coverage online in minutes for same-day coverage. Hiscox handles all the service and billing.

ISC and Hiscox

ISC’s Wholesale Division provides ISC-appointed agencies with a broader product base outside our program business offerings. You gain immediate access to quote and bind various products with Hiscox NOW, a digital platform that enables you to obtain a Business Owner’s Policy (BOP), General Liability (GL), Cyber Security, and Professional Liability for your clients.

*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.