Artisan & specialty trades
Established trades and selected new ventures. Describe the trade mix and work actually performed.
Construction insurance · For brokers
Built around the work.
From artisan trades to complex projects, bring the operation, contracts and coverage needs into one placement conversation.
Trades · Contractors · Projects
Available Products
Explore coverage options for the account’s operations, people, property and contractual needs.
Core Offerings
- Commercial General Liability (CGL)
- Excess & Umbrella
- Workers’ Compensation
Supporting Lines
- Builder’s Risk
- Commercial Auto
- Contractors Equipment
- Inland Marine / Installation
- Owner’s Interest / OCP
- Site Pollution Liability
- Surety
- Wrap-Ups (OCIP / CCIP)
Availability varies by operation, state and underwriting review. Products may be placed separately or together, depending on the account and market.
Different operations.
Different paths to placement.
General contractors
Operations, subcontracting and contract requirements. Explain residential and commercial work.
New York construction
Labor Law, work at height and risk transfer. Flag exterior and structural work early.
Owners & project risks
Ground-up work, renovation and project responsibilities. Identify who controls the work.
Availability varies by operation, state and underwriting review.
More account and underwriting detail
Operations considered
- General contractors
- Artisan / specialty trades
- Commercial and residential construction
- Renovation / remodeling
- Ground-up construction
- Construction managers
- Owners / developers
- Project-specific exposures
- Selected new ventures
Flag for closer review
- NY Labor Law / Five Borough work
- Height and exterior work
- Structural work
- Excavation
- Roofing
- Demolition
- Infrastructure / utility operations
- Unusual project structures
Construction placement considerations
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.
Representative trades
- Carpentry
- Concrete
- Electrical
- Excavation
- HVAC
- Landscaping
- Masonry
- Painting
- Plumbing
- Roofing
- Steel erection
- Flooring
- Equipment installation
- Demolition
- Utility / infrastructure work
- Other specialty trades
Trade & small contractor solutions
Many established trades and selected new ventures can be considered, with streamlined placement available for eligible risks.
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
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.
Equipment that moves with the work
Review tools and contractors equipment alongside the jobsite, storage and transit exposures. Coverage should reflect where equipment is used and how it moves between projects.
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.
See the whole account.
Liability & contract needs
Contractors general liability
Selected artisan and general contractors, with $1 million occurrence / $2 million aggregate options. Trade, state and work performed determine fit.
Excess & project liability
Review excess, owner’s interest / OCP and controlled-program needs alongside the underlying coverage.
Specialty obligations
Discuss site pollution, contract requirements and surety needs early.
People, property & projects
Tools & contractors equipment
Owned tools, scheduled equipment and rented equipment options for eligible contractors.
Builder’s risk & installation
Consider work in progress, installation materials, transit and temporary storage.
Workers’ compensation & auto
Bring crew duties, payroll, vehicle use and operating states into the placement review.
The placement desk
Complex work deserves a closer look.
Flag New York operations, work at height, roofing, structural work, demolition and excavation early. New York Labor Law / Action Over, contract terms and subcontractor controls require specific review.
Discuss the details ↗A stronger submission starts here.
Start with what you have. We’ll identify what else is needed.
The account
- Named insured & effective date
- Operations & states of work
- Receipts, payroll & subcontracting
- Current coverage & requested limits
- Project & contract details
The supporting detail
- Completed ACORD applications
- Required supplemental applications
- Currently valued loss runs
Show receipts by trade and explain who performs the work.
Additional preparation by coverage and operation
Start with these
- Named insured / legal entity and primary location
- Requested effective date and coverage limits
- Clear description of operations and contractor trades
- States where work is performed
- Current-year projected gross receipts
- Payroll
- Subcontracted cost
- Residential / commercial mix
- New construction / renovation / service-repair mix
- Current or expiring carrier and premium, if insured
- Currently valued loss information
Add when applicable
- ACORD 125
- ACORD 126
- ACORD 131 when Excess/Umbrella is requested
- Contractor supplemental application
- Three-to-five years of currently valued loss runs, depending on program
- Current / planned project or WIP schedule
- Largest current and completed project information
- Maximum interior/exterior height
- Below-grade work details
- Roofing, demolition or structural-work details
- Sample subcontract agreement
- Subcontractor certificate of insurance
- Additional-insured / indemnification / hold-harmless requirements
- Current GL policy for rewrite/excess review
- Current Auto and WC policies where relevant to excess placement
- Project budget and schedule for project-specific risks
- Construction contract / insurance requirements for owner or project placements
Placement notes
Trade mix matters
A contractor’s actual work is more useful than a generic general contractor label. Break out receipts by trade and describe who performs each operation.
Explain subcontracting
Describe the percentage subcontracted, subcontract agreements and certificate controls so underwriters can evaluate risk transfer.
Identify unusual exposures early
Disclose height, roofing, structural work, demolition, excavation and New York operations at the beginning of review.
Applications & guides
Prepare the right details.
Confirm carrier supplements, ACORD editions and loss-run periods for the selected program. Blank ACORD and carrier forms are not distributed here.
Browse 11 coverage preparation guides
View guide: Contractors General Liability
Contractors General Liability · reference guide
Construction · Public preparation guide
Contractors General Liability
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Receipts by trade (USD / current-year projection)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Payroll and subcontracted cost (USD / stated period)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Maximum work height (feet) and below-grade work
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Project values (USD), locations and timeline
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Artisan & specialty trades
- General contractors
- New York construction
- Owners & project risks
- Flag New York operations, work at height, roofing, structural work, demolition and excavation early. New York Labor Law / Action Over, contract terms and subcontractor controls require specific review.
Applications & documents
- ACORD 125
When required by the selected coverage/program; confirm the current edition.
- ACORD 126
When required by the selected coverage/program; confirm the current edition.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Construction preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Excess & Umbrella
Excess & Umbrella · reference guide
Construction · Public preparation guide
Excess & Umbrella
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Receipts by trade (USD / current-year projection)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Payroll and subcontracted cost (USD / stated period)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Maximum work height (feet) and below-grade work
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Project values (USD), locations and timeline
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Artisan & specialty trades
- General contractors
- New York construction
- Owners & project risks
- Flag New York operations, work at height, roofing, structural work, demolition and excavation early. New York Labor Law / Action Over, contract terms and subcontractor controls require specific review.
Applications & documents
- ACORD 125
When required by the selected coverage/program; confirm the current edition.
- ACORD 131
When excess/umbrella is requested and the selected program requires it.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Construction preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Owner’s Interest / OCP
Owner’s Interest / OCP · reference guide
Construction · Public preparation guide
Owner’s Interest / OCP
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Receipts by trade (USD / current-year projection)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Payroll and subcontracted cost (USD / stated period)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Maximum work height (feet) and below-grade work
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Project values (USD), locations and timeline
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Artisan & specialty trades
- General contractors
- New York construction
- Owners & project risks
- Flag New York operations, work at height, roofing, structural work, demolition and excavation early. New York Labor Law / Action Over, contract terms and subcontractor controls require specific review.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Construction preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: OCIP / CCIP
OCIP / CCIP · reference guide
Construction · Public preparation guide
OCIP / CCIP
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Receipts by trade (USD / current-year projection)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Payroll and subcontracted cost (USD / stated period)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Maximum work height (feet) and below-grade work
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Project values (USD), locations and timeline
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Artisan & specialty trades
- General contractors
- New York construction
- Owners & project risks
- Flag New York operations, work at height, roofing, structural work, demolition and excavation early. New York Labor Law / Action Over, contract terms and subcontractor controls require specific review.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Construction preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Builder’s Risk
Builder’s Risk · reference guide
Construction · Public preparation guide
Builder’s Risk
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Receipts by trade (USD / current-year projection)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Payroll and subcontracted cost (USD / stated period)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Maximum work height (feet) and below-grade work
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Project values (USD), locations and timeline
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Artisan & specialty trades
- General contractors
- New York construction
- Owners & project risks
- Flag New York operations, work at height, roofing, structural work, demolition and excavation early. New York Labor Law / Action Over, contract terms and subcontractor controls require specific review.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Construction preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Contractors Equipment
Contractors Equipment · reference guide
Construction · Public preparation guide
Contractors Equipment
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Receipts by trade (USD / current-year projection)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Payroll and subcontracted cost (USD / stated period)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Maximum work height (feet) and below-grade work
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Project values (USD), locations and timeline
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Artisan & specialty trades
- General contractors
- New York construction
- Owners & project risks
- Flag New York operations, work at height, roofing, structural work, demolition and excavation early. New York Labor Law / Action Over, contract terms and subcontractor controls require specific review.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Construction preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Inland Marine / Installation
Inland Marine / Installation · reference guide
Construction · Public preparation guide
Inland Marine / Installation
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Receipts by trade (USD / current-year projection)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Payroll and subcontracted cost (USD / stated period)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Maximum work height (feet) and below-grade work
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Project values (USD), locations and timeline
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Artisan & specialty trades
- General contractors
- New York construction
- Owners & project risks
- Flag New York operations, work at height, roofing, structural work, demolition and excavation early. New York Labor Law / Action Over, contract terms and subcontractor controls require specific review.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Construction preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Workers’ Compensation
Workers’ Compensation · reference guide
Construction · Public preparation guide
Workers’ Compensation
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Receipts by trade (USD / current-year projection)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Payroll and subcontracted cost (USD / stated period)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Maximum work height (feet) and below-grade work
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Project values (USD), locations and timeline
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Artisan & specialty trades
- General contractors
- New York construction
- Owners & project risks
- Flag New York operations, work at height, roofing, structural work, demolition and excavation early. New York Labor Law / Action Over, contract terms and subcontractor controls require specific review.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Construction preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Commercial Auto
Commercial Auto · reference guide
Construction · Public preparation guide
Commercial Auto
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Receipts by trade (USD / current-year projection)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Payroll and subcontracted cost (USD / stated period)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Maximum work height (feet) and below-grade work
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Project values (USD), locations and timeline
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Artisan & specialty trades
- General contractors
- New York construction
- Owners & project risks
- Flag New York operations, work at height, roofing, structural work, demolition and excavation early. New York Labor Law / Action Over, contract terms and subcontractor controls require specific review.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Construction preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Site / Pollution Liability
Site / Pollution Liability · reference guide
Construction · Public preparation guide
Site / Pollution Liability
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Receipts by trade (USD / current-year projection)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Payroll and subcontracted cost (USD / stated period)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Maximum work height (feet) and below-grade work
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Project values (USD), locations and timeline
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Artisan & specialty trades
- General contractors
- New York construction
- Owners & project risks
- Flag New York operations, work at height, roofing, structural work, demolition and excavation early. New York Labor Law / Action Over, contract terms and subcontractor controls require specific review.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Construction preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Surety
Surety · reference guide
Construction · Public preparation guide
Surety
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Receipts by trade (USD / current-year projection)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Payroll and subcontracted cost (USD / stated period)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Maximum work height (feet) and below-grade work
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Project values (USD), locations and timeline
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Artisan & specialty trades
- General contractors
- New York construction
- Owners & project risks
- Flag New York operations, work at height, roofing, structural work, demolition and excavation early. New York Labor Law / Action Over, contract terms and subcontractor controls require specific review.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Construction preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
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