Build your Penn-America Group® book with contractors.
Build your Penn-America Group® book with contractors.

Penn-America Group® specializes in providing coverages designed to meet the needs of all skill craftsmen. We offer a broad spectrum of eligibility consisting of well over 100 contractor classes with expansive coverage and competitive rates.

If you’re seeking a coverage solution for custom home builders, commercial general contractors, remodelers, residential general contractors, and specialty contractors (roofers, waterproofers, welders, etc.) – we’re the market to consider.

With our contractors coverage enhancement (or bundle) included at no extra charge, package options, and excess liability limits up to $5M in most states, we have the coverage that your contracting customers need.

*Coverage not available in Colorado.

Overview of the Product

General liability with increased limits up to $3M (in most states), inland marine coverage options for tools and contractor’s equipment, and property can all be packaged for your contracting risk.

Target Classes

  • Residential Remodelers
  • Handyperson
  • Painting – Interior
  • Metal erection – Decorative, artistic
  • Electrical work – Within building
  • Landscaping & Lawn Care
  • Carpentry – Interior
  • HVAC – Systems/equipment
  • Truckers

Coverages Offered

  • General liability limits up to $1M / $2M and increased limits up to $3M / $3M in most states
  • Excess liability limits up to $5M in most states
  • Broad contractual liability offering
  • $500 minimum premium on general liability limits of $1M
  • Contractors coverage enhancement:
    • Blanket Additional Insured
    • Blanket Primary and Non-Contributory
    • Blanket Waiver of Subrogation
    • Maximum policy general aggregate limit – $5M
    • Lost key coverage – $10,000
    • Property damage extension (aggregate limit) – $25,000
  • Earlier notice of cancellation available
  • Ancillary contractors equipment, tool, and property coverage available