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Binding
General Liability
Our Contract Binding team targets general liability risks on over 160 classes of business, with a focus on light to medium hazard risks. Through our group of carriers, we are able to offer general liability coverage capacity with limits of $1MM/$2MM, and up to $5MM/$5MM with select carriers.
We target the classes listed below.
- Blanket AI
- Waiver of Subrogation
- Primary/Noncontributory
- Per Project Aggregate
- AI w/completed ops
- Waiver of Subrogation
- Per Project Aggregate
- Primary/noncontributory
- Professional enhancements
- Hostile fire
- Lost Key cover
- CCC
- Railroad contractual
- Contractors pollution
- Hostile fire buyback options
- Equipment & tool floaters
- GL and excess
- General Contractors (up to 100% subcontracted)
- Artisan Contractors:
- Alarm installation
- Animal removal/pest control
- Carpentry
- Concrete construction
- Crane operators
- Debris removal
- Demolition
- Door/window installation
- Drywall installation
- Electricians
- Excavation/Land grading
- Fence installation & repair
- Fire Extinguishers- sales & service
- Flooring installation
- Handyperson
- Holiday decoration contractors
- HVAC
- Insulation work
- Janitorial services
- Landscapers
- Loggers
- Machinery- install/service/repair
- Masonry
- Metal Erection
- Painters
- Pilot cars(GL)
- Plumbers
- Roofers
- Salvage operations
- Security guard
- Septic & sewer install/cleaning
- Sign installation & repair
- Snow removal (state dependent)
- Solar contractors
- Swimming pool installation
- Swimming pool- service
- Tree trimming
- Truckers
- Water & sewer contractors
- Welders
- Window washers
- Residential
- Commercial
- Industrial
- OCP
- Flippers
- Construction Managers
- Owners-interest GL
- Land under development
- Property managers
Vacant:
- Under Renovation/Rehab
- Builder’s Risk
- Construction already started
- Flat/no co
- OCP (Limits to $5MM/$5MM)
- Owners interest GL
- Flippers
- Mill buildings
- Partial occupancy
Land:
- Development land
- Hunt & fish clubs
- Land leased to others
- Solar arrays
- Vacant land
- Guides & outfitters
- Beauty products
- Candles
- Clothing
- Construction products
- Electronics
- Floor covering
- Food products
- Furniture
- Insect repellents
- Non-invasive medical
- Office equipment
- Optical goods
- Signs
- Soaps & detergents
- Sporting goods
- Tools
- Toys
- Wood products
- Airbnb/VRBO/Short term
- Apartment buildings
- HOA/Condo/townhouse Assn
- Dwellings/seasonal dwellings
- Halfway house/sober living
- Mobile home parks
- Real estate property managers
- Real estate schedules/REO
- Rental dwellings
- Student housing
- Subsidized housing
- Advertising signs
- Auto dismantling
- Auto repair & service
- Beaches
- Boat/watercraft rental
- Campgrounds
- Car washes
- Churches
- Clubs
- Consultants
- Day Care
- Equipment repair & service
- Guides & outfitters
- Health Clubs
- Hunt clubs/preserves
- Parking lots
- Solar arrays
- Special events
- Swimming pools
- Warehouses
Hospitality:
- Restaurant
- Hotel/Motel
- Caterers
- Bed & Breakfast
- Food trucks/vendors
- Bars/taverns
- Breweries
- Dance halls
- Concerts
- Billiard/pool halls
- Bowling alleys
- Halls
Retail:
- Beauty salon/spa
- Clothing stores
- Commercial LRO’s
- Convenience stores
- Gas stations
- Grocery store
- Laundromats
- Mall
- Marijuana biz – LRO’s
- Marijuana dispensaries
- Online retailers
- Pawn shops
- Recycling center
- Rental stores
- Salvage goods resellers
- Tanning Salons
- Tobacco stores
- Arcades
- Batting cages
- Bingo games
- Carousels
- Children’s rec centers
- Coin-op rides
- corn mazes
- haunted hayrides
- Hay rides
- Inflatables
- Paintball courses
- Petting zoos
- Rifle/Pistol ranges
- Skating rinks – roller & ice
Coverage
- Blanket AI
- Waiver of Subrogation
- Primary/Noncontributory
- Per Project Aggregate
- AI w/completed ops
- Waiver of Subrogation
- Per Project Aggregate
- Primary/noncontributory
- Professional enhancements
- Hostile fire
- Lost Key cover
- CCC
- Railroad contractual
- Contractors pollution
- Hostile fire buyback options
- Equipment & tool floaters
- GL and excess
Construction
- General Contractors (up to 100% subcontracted)
- Artisan Contractors:
- Alarm installation
- Animal removal/pest control
- Carpentry
- Concrete construction
- Crane operators
- Debris removal
- Demolition
- Door/window installation
- Drywall installation
- Electricians
- Excavation/Land grading
- Fence installation & repair
- Fire Extinguishers- sales & service
- Flooring installation
- Handyperson
- Holiday decoration contractors
- HVAC
- Insulation work
- Janitorial services
- Landscapers
- Loggers
- Machinery- install/service/repair
- Masonry
- Metal Erection
- Painters
- Pilot cars(GL)
- Plumbers
- Roofers
- Salvage operations
- Security guard
- Septic & sewer install/cleaning
- Sign installation & repair
- Snow removal (state dependent)
- Solar contractors
- Swimming pool installation
- Swimming pool- service
- Tree trimming
- Truckers
- Water & sewer contractors
- Welders
- Window washers
- Residential
- Commercial
- Industrial
- OCP
- Flippers
- Construction Managers
- Owners-interest GL
- Land under development
- Property managers
Vacant Buildings & Land
Vacant:
- Under Renovation/Rehab
- Builder’s Risk
- Construction already started
- Flat/no co
- OCP (Limits to $5MM/$5MM)
- Owners interest GL
- Flippers
- Mill buildings
- Partial occupancy
Land:
- Development land
- Hunt & fish clubs
- Land leased to others
- Solar arrays
- Vacant land
- Guides & outfitters
Manufacturers/Distributors
- Beauty products
- Candles
- Clothing
- Construction products
- Electronics
- Floor covering
- Food products
- Furniture
- Insect repellents
- Non-invasive medical
- Office equipment
- Optical goods
- Signs
- Soaps & detergents
- Sporting goods
- Tools
- Toys
- Wood products
Habitational
- Airbnb/VRBO/Short term
- Apartment buildings
- HOA/Condo/townhouse Assn
- Dwellings/seasonal dwellings
- Halfway house/sober living
- Mobile home parks
- Real estate property managers
- Real estate schedules/REO
- Rental dwellings
- Student housing
- Subsidized housing
General
- Advertising signs
- Auto dismantling
- Auto repair & service
- Beaches
- Boat/watercraft rental
- Campgrounds
- Car washes
- Churches
- Clubs
- Consultants
- Day Care
- Equipment repair & service
- Guides & outfitters
- Health Clubs
- Hunt clubs/preserves
- Parking lots
- Solar arrays
- Special events
- Swimming pools
- Warehouses
Retail & Hospitality
Hospitality:
- Restaurant
- Hotel/Motel
- Caterers
- Bed & Breakfast
- Food trucks/vendors
- Bars/taverns
- Breweries
- Dance halls
- Concerts
- Billiard/pool halls
- Bowling alleys
- Halls
Retail:
- Beauty salon/spa
- Clothing stores
- Commercial LRO’s
- Convenience stores
- Gas stations
- Grocery store
- Laundromats
- Mall
- Marijuana biz – LRO’s
- Marijuana dispensaries
- Online retailers
- Pawn shops
- Recycling center
- Rental stores
- Salvage goods resellers
- Tanning Salons
- Tobacco stores
Amusement Centers
- Arcades
- Batting cages
- Bingo games
- Carousels
- Children’s rec centers
- Coin-op rides
- corn mazes
- haunted hayrides
- Hay rides
- Inflatables
- Paintball courses
- Petting zoos
- Rifle/Pistol ranges
- Skating rinks – roller & ice
Contacts
Ian Gilchrest
SVP, Sr. Underwriter
Portland, ME
Contract Binding
Office: 207.808.4947
Cell: 207.232.4746
“Again, I want to thank you for all your help! I really do appreciate it. I don’t think there are many companies out there who would be willing to work with us as much as you did!!”
Insurance Agency Office Manager
General Liability was last modified: January 16th, 2024 by