Contractors

By answering just 20 underwriting questions, receive up to 3 immediately bindable quotes from industry leading carriers, with annual premiums as low as $495.
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Pathpoint’s single point of submission should be your only stop for Contractors quotes.

Download Contractors Appetite Guide

Eligible small businesses

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Up to $2m revenue

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Limits up to $1m/$2m

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Deductibles as low as $0

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Up to $5m per-project aggregate

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Up to $500k in payroll

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Up to 100% subcontracted work

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Crime Score under 70

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WoS, AI & PNC available by request

Experience Faster Quoting for Contractors

Agents working with Contractors often have to make several submissions, fill out several different ACORDs and supplementals, and email many different wholesalers or MGAs. There’s little visibility and transactions are rarely efficient.

Our Contractors application provides a solution to all of these problems: from start to quote, it takes agents on average 5 minutes to complete the 20 required underwriting questions and get a quote.

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Featured segments

Remodelers

For insureds who are doing remodeling work, not new construction, engaging multiple class codes.

  • Minimum premium is $750

  • New ventures are welcome

Learn more

Carpenters

Get quotes to your Carpenter clients faster than ever before.

  • New ventures welcome

  • Minimum premium: $650

Learn more

Electricians

Complete your application for coverage for Electricians in minutes, and request to bind, all in one place.

  • Deductibles as low as $250

  • New ventures are welcome

Learn more

Handyman

One person doing minor repairs or doing small one-off jobs. Work that requires a licensed tradesperson to perform the it.

  • Deductibles as low as $250

  • New ventures are welcome

Learn more

Landscapers

With a reduced question flow for Landscapers submissions, get quotes in minutes.

  • Includes automatic as well as opt-in endorsements

  • Select multiple class codes easily

Learn more

Waterproofers & Pressure Washers

Submit your Pressure Washers business to instantly get quotes through Pathpoint.

  • No limitations on PSI (pound force per square inch)

  • Hood cleaning for kitchen exhaust systems contemplated

Learn more

All segments

Air COnditioning, heating, and HVAC

  • Air Conditioning Systems or Equipment, Dealers or Distributors & Installation, Servicing, or Repair (91111)
  • Heating or Combined Heating and Air Conditioning Systems or Equipment, dealers or distributors & installation, servicing, or repair, no liquefied petroleum gas (LPG) equipment sales or work (95647)
  • Heating or Combined Heating and Air Conditioning Systems or Equipment, dealers or distributors & installation, servicing or repair, Not Otherwise Classified (95648)

Builders/construction

  • Executive Supervisors or Superintendents (91580)
  • Concrete Construction (91560)
  • Wrecking, Buildings or Structures, Not Otherwise Classified (99986)
  • Remodeling Contractor (91300)
  • Masonry (97447)
  • Dry Wall or Wallboard Installation (92338)
  • Floor Covering Installation, excluding tile or stone (94569)
  • Siding Installation (98967)
  • Debris Removal, construction sites (91629)
  • Salvage Operations, Not Otherwise Classified (98698)
  • Salvage Operations, removing, sorting, reconditioning and distributing of merchandise in damaged buildings and incidental operations away from such buildings (98699)
  • Sheet Metal Work, outside (98884)

Carpentry

  • Carpentry, construction of residential property not exceeding three stories in height (91340)
  • Carpentry, Interior (91341)
  • Carpentry, Not Otherwise Classified (91342)
  • Carpentry, shop only (91343)

Electrical work

  • Electrical Apparatus, installation, servicing or repair, Not Otherwise Classified (92451)
  • Electrical Work, within buildings (92478)

Handyman

  • Handyman (95625)

Interior Construction

  • Ceiling or Wall Installation for metal (91436)
  • Communication Equipment Installation, industrial or commercial (91551)
  • Door, Window, or Assembled Millwork, Installation, Service, or Repair for Metal (91746)
  • Furniture or Fixtures, installation in offices or stores, portable, metal or wood (95124)

Janatorial

  • Janitorial Services (96816)

‍Landscaping

  • Excavation (94007)
  • Grading of Land (95410)
  • Landscape Gardening (97047)
  • Lawn Care Services (97050)
  • Tree Pruning, Dusting, Spraying, Repairing, Trimming or Fumigating (99777)
  • Driveway, Parking Area or Sidewalk, paving or repaving (92215)
  • Fence Erection Contractors (94276)

Machinery or equipment

  • Machinery or Equipment, Installation, Servicing or Repair, Not Otherwise Classified (97223)

painting

  • Paperhanging (98344)
  • Painting, exterior, buildings or structures, 3 stories or less in height, Not Otherwise Classified (98304)
  • Painting, interior, buildings or structures (98305)

Plumbing

  • Plumbing, Commercial and Industrial (98482)
  • Plumbing, Residential or Domestic (98483)

Roofing

  • Roofing, Commercial (98677)
  • Roofing, Residential (98678)

Subcontracted work (to others)

  • Contractors, Subcontracted Work, in connection with construction, reconstruction, erection or repair not buildings, not otherwise classified (91581)
  • Subcontracted Work in connection with building construction, reconstruction, repair, or erection of one or two family dwellings (91583)
  • Subcontracted Work in connection with building construction, reconstruction, repair, or erection of buildings (91585)
  • Contractors, Subcontracted Work, other than construction, related work (91591)

Swimming pools

  • Swimming Pool Servicing (99505)
  • Swimming Pools, installation, servicing or repair, above ground (99506)
  • Swimming Pools, installation, servicing or repair, below ground (99507)

Waterproofing and Pressure washing

  • Waterproofing, By Pressure Apparatus (99952)
  • Contractor - Pressure Washing (Power Washing) (98522)

Recent Contractors wins

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Class of business

Coverage

Limits

Premium

Air Conditioning Systems or Equipment - Dealers or Distributors and Installation, Servicing or Repair
General Liability - Contractors
$1M/$2M
$8,280
Carpentry - Interior
General Liability - Contractors
$1M/$2M
$495
Carpentry - Interior
General Liability - Contractors
$1M/$2M
$1,539
Carpentry - Interior
General Liability - Contractors
$1M/$2M
$5,856
Carpentry - Interior
General Liability - Contractors
$1M/$2M
$495
Carpentry--Construction of Residential Property Not Exceeding Three Stories in Height
General Liability - Contractors
$1M/$2M
$1,054
Contractors - Subcontracted Work In Connection with Building Construction, Reconstruction, Repair or Erection One or Two-Family Dwellings
General Liability - Contractors
$1M/$2M
$2,198
Contractors--Executive Supervisors or Executive Superintendents
General Liability - Contractors
$1M/$2M
$2,852
Contractors--Subcontracted Work--In Connection with Construction, Reconstruction, Repair or Erection of Buildings, Carpentry
General Liability - Contractors
$1M/$2M
$2,326
Drywall or Wallboard Installation and Painting - Interior - Buildings or Structures and Carpentry - Interior
General Liability - Contractors
$1M/$2M
$1,576
Excavation
General Liability - Contractors
$1M/$2M
$1,000
Excavation
General Liability - Contractors
$1M/$2M
$683
Fence erection - Contractors
General Liability - Contractors
$1M/$2M
$2,076
General Contractor - Subcontracted work
General Liability - Contractors
$1M/$2M
$1,550
Handyperson
General Liability - Contractors
$1M/$2M
$495
Handyperson, Lawn Care Services
General Liability - Contractors
$1M/$2M
$550
Heating or Combined Heating and Air Conditioning Systems or Equipment--Dealers or Distributors and Installation, Servicing or Repair
General Liability - Contractors
$1M/$2M
$6,500
Heating or Combined Heating and Air Conditioning Systems or Equipment--Dealers or Distributors and Installation, Servicing or Repair
General Liability - Contractors
$1M/$2M
$8,500
Janitorial Services
General Liability - Contractors
$1M/$2M
$899
Janitorial Services
General Liability - Contractors
$1M/$2M
$1,471
Painting - Interior - Buildings or Structures
General Liability - Contractors
$1M/$2M
$918
Painting--Exterior--Buildings or Structures--Three Stories or Less in Height
General Liability - Contractors
$1M/$2M
$650
Painting--Interior--Buildings or Structures, Painting--Exterior--Buildings or Structures--Three Stories or Less in Height
General Liability - Contractors
$1M/$2M
$495
Painting--Interior--Buildings or Structures, Painting--Exterior--Buildings or Structures--Three Stories or Less in Height
General Liability - Contractors
$1M/$2M
$495
Pressure Washing
General Liability - Contractors
$1M/$2M
$1,400
Pressure Washing
General Liability - Contractors
$1M/$2M
$650
Pressure Washing
General Liability - Contractors
$1M/$2M
$686
Pressure Washing
General Liability - Contractors
$1M/$2M
$829
Pressure Washing
General Liability - Contractors
$1M/$2M
$650
Remodeling
General Liability - Contractors
$1M/$2M
$2,144
Remodeling
General Liability - Contractors
$1M/$2M
$1,277
Remodeling
General Liability - Contractors
$1M/$2M
$4,868
Remodeling and subcontracting
General Liability - Contractors
$1M/$2M
$1,725
Remodeling, Contractors--Subcontracted Work--In Connection with Building Construction, Reconstruction, Repair or Erection--One- or Two-Family Dwellings
General Liability - Contractors
$1M/$2M
$3,815
Remodeling, Contractors--Subcontracted Work--In Connection with Building Construction, Reconstruction, Repair or Erection--One- or Two-Family Dwellings)
General Liability - Contractors
$1M/$2M
$2,492
Remodeling, Handyperson, Excavation, Tree Pruning, Dusting, Spraying, Repairing, Trimming or Fumigating and Roofing (Residential - Three Stories & Under), Carpentry - Interior and Lawn Care Services
General Liability - Contractors
$1M/$2M
$1,812
Roofing (Residential) Three Stories & Under
General Liability - Contractors
$1M/$2M
$19,370
Roofing (Residential) Three Stories & Under
General Liability - Contractors
$1M/$2M
$2,263
Roofing (Residential) Three Stories & Under, Debris Removal - Construction Site
General Liability - Contractors
$1M/$2M
$1,873
Roofing--Residential--Three Stories & Under
General Liability - Contractors
$1M/$2M
$4,372
Swimming Pools - Installation, Servicing or Repair - Below Ground
General Liability - Contractors
$1M/$2M
$733
Swimming Pools - Installation, Servicing or Repair - Below Ground and Contractors - Subcontracted Work - In Connection with Construction, Reconstruction, Erection or Repair - Not Buildings
General Liability - Contractors
$1M/$2M
$2,307
Tree Pruning, Dusting, Spraying, Repairing, Trimming or Fumigating
General Liability - Contractors
$1M/$2M
$1,500
Tree Pruning, Dusting, Spraying, Repairing, Trimming, Fumigating, Landscape Gardening
General Liability - Contractors
$1M/$2M
$1,600
Waterproofing - By Pressure Apparatus
General Liability - Contractors
$1M/$2M
$2,070
Welding or Cutting
General Liability - Contractors
$1M/$2M
$603
Wrecking--Buildings or Structures
General Liability - Contractors
$500K/$1M
$1,348

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San Francisco, CA 94104
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Products and services are provided through various nonadmitted insurers and are offered by and through a licensed surplus lines broker. Not all products and services may be available in all jurisdictions, and the coverage provided by any insurer is subject to the actual terms and conditions of the policy issued. Nonadmitted insurance carriers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds.