Trade & small contractor solutions
Many established trades and selected new ventures can be considered, with streamlined placement available for eligible risks.
Construction
Built for the work ahead.
From artisan trades and general contractors to owners, developers and complex projects, Osprey works across multiple construction markets. We consider the business, the work and the contractual responsibilities to explore appropriate underwriting paths.
Coverage considerations
See the operation from every angle.
Liability
- Contractors General Liability
Liability solutions for contractor practice policies, trades and project-related operations.
- Excess & Umbrella
Additional liability protection considered alongside the underlying insurance program.
- Owner’s Interest / OCP
Owner’s-interest and owners and contractors protective liability considerations for a specific project.
- OCIP / CCIP
Owner- or contractor-controlled insurance programs for qualifying construction projects.
Property & equipment
- Builder’s Risk
Property under construction, including project materials and work in progress.
- Contractors Equipment
Equipment and mobile tools used across construction sites.
- Inland Marine / Installation
Installation work, materials in transit and temporary storage exposures.
People & mobility
- Workers’ Compensation
Workplace injuries, employee exposures and related statutory obligations.
- Commercial Auto
Vehicles used for business, driver exposures and liability on the road.
Specialty & contractual
- Site / Pollution Liability
Environmental exposures associated with a site or contractor’s operations.
- Surety
Contract and other bond needs considered alongside project obligations.
Coverage considerations are general guidance, not confirmation of availability or eligibility. Terms, conditions and availability depend on the account, jurisdiction and underwriting review.
Osprey construction appetite
More than one path to placement.
Appetite varies by trade, geography and exposure. Osprey works across multiple construction markets, allowing us to evaluate accounts against more than one underwriting path. New York Labor Law, height, structural work, excavation, demolition and other specialized exposures receive additional underwriting review.
- General contractors and artisan / specialty trades
- Residential and commercial construction
- Renovation, remodeling and ground-up construction
- Construction managers, project owners and developers
- Project-specific exposures and selected new ventures
- Complex New York construction and selected higher-hazard trades
Explore representative contractor trades
- Carpentry
- Concrete
- Electrical
- Excavation
- HVAC
- Landscaping
- Masonry
- Painting
- Plumbing
- Roofing
- Steel erection
- Flooring
- Equipment installation
- Demolition
- Utility / infrastructure work
- Other specialty trades
Coverage considerations are general guidance, not confirmation of availability or eligibility. Terms, conditions and availability depend on the account, jurisdiction and underwriting review.
Contractors general liability
The right approach for the work.
Middle-market contractors
Broader solutions for established general contractors and trades with more complex contractual or operational requirements.
New York construction
Specialized underwriting considers New York Labor Law / Action Over, height, exterior operations, project structure, subcontracting and risk transfer.
Project / owner exposures
Project-specific and owner’s-interest liability solutions may address exposures outside a standard annual contractor practice policy.
Excess / umbrella
Protection beyond the primary layer.
Explore supported excess over selected Osprey-placed primary programs and select unsupported excess. Contractor practice policies, specified-project placements and owner’s-interest exposures can follow different underwriting paths. Capacity and attachment depend on the account and market review.
Explore excess & umbrella →What shapes the placement?
The details behind the business.
Operations and trades
Describe the work performed, the project types and the role of subcontractors.
Project environment
Location, occupied premises and work at height or below ground help explain the exposure.
Contracts
Insurance requirements and allocation of responsibilities shape the placement discussion.
People and equipment
Payroll, crew duties, vehicles and equipment identify the resources at risk.
Loss experience
Prior claims and corrective actions provide context for underwriting review.
Preparing an account
A clearer submission starts here.
Complete information helps our underwriting team evaluate the opportunity efficiently. Useful information may include:
- Applicant and business details
- Requested coverage and effective date
- Current or prior insurance
- Available loss history
- Description of trades, project types and residential / commercial mix
- Gross receipts, payroll and subcontracting information
- Project locations, height and below-grade work details
- Subcontractor insurance and written risk-transfer arrangements
- Vehicle, equipment and project-value schedules
- Relevant contract insurance requirements, including New York exposures where applicable
Industry insights
Put the business in context.
Outline the operation, explain what has changed and organize the supporting schedules. Use the checklist above to prepare a clear account narrative for review.
Review the preparation checklist ↑Broker product reference Approved brokers · Restricted access
Current appetite and underwriting reference.
Detailed reference access is being prepared for approved agencies and producers. Email verification alone does not grant access. For current placement guidance, submit the account for review.
- Eligible classes
- Approved access required
- Territory
- Approved access required
- Limits / capacity
- Approved access required
- Key underwriting considerations
- Approved access required
- Available programs
- Approved access required
- Required submission documents
- Approved access required
Your next opportunity
Not every risk fits neatly into a category.
Tell us about the account and we’ll help determine the appropriate next step.