As the list below shows, Selective’s program for contractors offers a wide array of coverages to meet your specific needs. And many coverages are built in at no additional cost. Please contact your Selective agent for more information.
Liability Insurance
- Coverage for bodily injury and property damage claims arising from negligence in work performed by the contractor and subcontractors working on their behalf.
- Contractual liability for contracts entered into throughout the year which the contractor becomes involved
- Limits apply per job/per location basis so a contractor has a set of limits for each of their ongoing projects.
- We offer a comprehensive General Liability Enhancement endorsement called the General Liability ElitePac that combines a number of additional coverages into a single endorsement. One coverage of particular importance to a Contractor is:
- Blanket additional insured coverage for ongoing operations on a primary and noncontributory basis, including waiver of subrogation when required by written contract
Commercial Automobile Insurance
- Blanket additional insured where required by a written contract
- Hired car physical damage
- Lease gap coverage (except New York)
Inland Marine
- Builders risk
- Installation floaters
- Contractors equipment
- Miscellaneous property/tools
- Inland marine enhancement Pacs which include a number of coverages under one form
Property Insurance
- Property off premises, including tools
- Property in transit (includes tools and free on board (FOB) shipments)
- Installation coverage
- Coverage for personal effects
- Protection for outdoor trees, shrubs and plants (no per-item limit)
Umbrella Liability
- No self-insured retention unless required by law
- Limits apply over the underlying per job/per location aggregate
To help you tailor your insurance program to your individual needs, Selective offers a variety of optional coverages, including:
- Pesticide and herbicide applicator coverage
- Worksite damages (limited pollution coverage)
- Blanket additional insured for completed operation
- Electronic data liability
- Employment practices liability insurance
- Bonds (through Selective’s Bond department)
When you purchase insurance from Selective, you get more than just a policy. Our Safety Management team offers a wide array of value added services you need to help create a safer environment for your employees and customers and to help you manage your insurance costs by reducing claims.
- Best practices assessment/gap analysis
- Contractual liability consultation
- Customized workers compensation cost containment
- Driver and fleet safety programs
- Exposure reduction consultations
- OSHA 30-hour training
- Premises liability reviews
- Regulatory guidance
- Safety assessment and benchmarking tools
- Sprinkler system evaluation and analysis
- Supervisor accountability programs
- Thermographic infrared surveys
For more information about Selective's Safety Management services, click here.