1. Commercial General Liability (Premises & Completed Operations)
General Liability protects your contracting business against third-party bodily injury and property damage claims both while your crew is actively working on a project and after the job is finished (Products-Completed Operations). We structure limits ($1M/$2M and higher) that meet residential, commercial, and public-works GC contract specs.
Real-world example: If a plumbing connection you installed leaks three months after final inspection and damages a client's hardwood floors, Completed Operations liability covers the repair costs and legal defense.
2. Same-Day Certificates (COIs) & Contract Endorsements (AI / PNC / WOS)
General contractors, project owners, and municipalities won't let you step on site or release a progress check without exact endorsement wording on your Certificate of Insurance. We issue standard COIs the same business day and set up blanket Additional Insured (Ongoing & Completed Operations CG 20 10 / CG 20 37), Primary & Non-Contributory, and Waiver of Subrogation endorsements.
Real-world example: When a GC calls you at 9:30 a.m. asking for a certificate naming them and the building owner as Additional Insured before your crew can unload at 1:00 p.m., our Ellensburg team gets it out the same day.
3. Tools, Equipment & Installation Floater (Inland Marine)
A standard General Liability or property policy only covers items sitting inside your home shop — not tools in your truck bed, a skid steer parked on a job site overnight, or materials waiting to be installed. Contractors Inland Marine and Installation Floaters protect your hand tools, heavy mobile equipment, and materials in transit or on site.
Real-world example: If someone breaks into your locked job-site connex trailer over the weekend and steals $28,000 in saws, lasers, and copper fittings, your Tools & Equipment floater pays to replace them.
4. Contractor License Bonds, Bid & Performance Bonds & State Filings
Keeping your contractor registration active requires continuous surety bonds and state certificates on file. We issue instant online WA L&I, Oregon CCB, California CSLB, Idaho, and state contractor license bonds through our Propeller bond portal, plus bid, payment, and performance bonds for larger commercial projects.
Real-world example: When you form a new LLC or renew your contractor registration, you can bind your continuous contractor bond in minutes and have our team file your state proof of insurance immediately.
5. Builders Risk & Course of Construction
Builders Risk covers a residential or commercial structure while it is being built or remodeled from the ground up against fire, wind, theft of staged building materials, vandalism, and collapse. We write single-shot project policies as well as reporting-form policies for spec-home and custom builders.
Real-world example: If a windstorm tears the framing and roof trusses off a custom home halfway through construction, Builders Risk pays to clear the debris and rebuild the structure back to where it stood.
6. Commercial Auto, Work Trucks & Utility Trailers
Once a pickup, service van, dump truck, or enclosed trailer carries tools, materials, or crew between job sites, a personal auto policy won't cover a commercial work claim. We pair your contractor liability package with a commercial auto policy that covers your work vehicles, trailers, and Hired/Non-Owned employee auto exposure.
Real-world example: If an apprentice towing your utility trailer clips a parked car while backing into a tight residential driveway, your commercial auto policy handles the damage and keeps your crew rolling.
