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APG specializes in CGL for the licensed residential general and artisan contractors, and writes the difficult Classes: Custom Home Builders & Developers, Roofers, Masonry, Concrete, Excavators, Fire Sprinklers, Paper GCs, New Ventures and most Artisan classes.
APG is seeking qualified agents and brokers to represent its CGL program in the expansion states.
Advantages of APG:
• Highly competitive pricing
• Premiums starting at $1,000 / Rating based in Gross Receipts
• Quick-Quote online rater for real-time pricing indications within seconds
• Direct access to underwriting decision makers
• Professional, responsive, and knowledgeable service
APG Program Details
Carrier: National Contractors Insurance Company, a Risk Retention Group, A.M. Best B+ (Good)
Policy: Occurrence – Manuscript Form
Reinsurance: A.M. Best Rated (A-) IX, 90:10 quota share in excess of $10,000
Limits of Liability: $500K/$1M, $1M/$1M, $1M/$2M
S.I.R.: $1,000, $2500, $5,000, $7,500, $10,000
Basis: Gross Receipts
New Ventures: Welcome (Resume of Experience Required)
Policy Term: One (1) year only
Premium Financing: Available at 25% down + 100% applicable fees due at binding or use own finance company
Classes Written: $1,000 Minimum Premium:
| Carpentry Interior |
Guniting |
Refrigeration Systems & Equipment |
| Carpentry Wood – Shop Work Only |
HVAC |
Sand Blasting |
| Cleaning Outside Building |
Home Furnishing Installation |
Siding & decking |
| Commercial Communication Equipment Installation |
Insulation |
Sign Erection – Repair/Installation |
| Debris Removal |
Insulation – Mechanical Insulation |
Swimming Pool Cleaning |
| Driveway Parking/Sidewalk Paving |
Interior Decorators |
TV Radio Receiving Set Installation/Service/Repair |
| Drywall |
Landscape |
Tile & Marble Installation |
| Electrical Equipment – Exterior |
Masonry |
Window Cleaning |
| Electrical – Interior |
Painting – Exterior |
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| Fencing |
Painting – Interior |
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| Flooring |
Paper Hanging |
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| Furniture Installation |
Plastering & Stucco |
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Classes Written: $1,500 Minimum Premium:
| Air Conditioning Systems |
GC Remodel |
Sewer Mains |
| Carpentry Framing |
Grading |
Sheet Metal |
| Carpentry NOC |
Metal Erection - Decorative |
Street/Road Paving and Repair |
| Commercial Tenant Improvement |
Metal Erection - Structural |
Swimming Pool Installation |
| Concrete Foundation |
Plumbing - Commercial |
Tree Trimming |
| Drilling NOC |
Plumbing - Residential |
Water Mains Connections |
| Equipment Rental - With Operator |
Remodel - Commercial/T.I. |
Welding |
| Excavation |
Remodel - Residential |
Window and Door Installation |
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Septic Tank - Installation/Service/Repair |
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Classes Written: $3,000 Minimum Premium:
| General Contractor |
Roofing - Commercial |
Developer – Commercial |
| General Contractor - Paper |
Roofing – Residential |
Developer – Residential |
Florida & Texas: General Contractors, Developers - $1,500 minimum premium
New York: call for details regarding minimum premium levels
Ineligible Risks
There are some trades that are not eligible. These include, but may not be limited to:
| New Condominium /Town-Home Construction |
Scaffolding/Scaffolding Erection |
| Work on Slopes greater than 20% |
Dam or Levee Construction |
| Exterior work above 3 stories or 40’ |
Traffic Signal Installation or Repair |
| Waterproofing Contractors |
Demolition Contractors |
| Construction Consultant |
Tunneling/Boring |
| Construction Site Manager |
Landscapers w/ Spraying Exposures |
| Asbestos Abatement |
Earthquake Retrofit Contractors |
| Blasting Operations |
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| Environmental / Pollution Contractors |
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In most cases, the primary documentation we require to quickly generate a quote for coverage is:
Valid contractor's license*
Estimated gross receipts for the next 12 months
3 years currently valued loss runs
Description of operations
Previous two years insurance information
*Where applicable, rules vary by state
Premium Modifications may be mafe based on insured's management, employees, loss history, site exposure, equipment and classifications.
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