Insurance for Artisan Contractors and Home Builders

Construction and contracting occupations involve some of the most diverse and risky work. Examples such as drywall installation or kitchen cabinets in homes could cause an artisan contractor to be held liable for the products that cause physical harm.

Contracting and construction business owners rely on General Liability Insurance to address these risks. This type of insurance can offer lawsuit coverage for accidents, injuries, and some work mistakes.


This protection can be invaluable in helping a small contracting business survive an otherwise expensive setback.


Business Owners Policy (BOP)

NOW in California, Oregon and Washington!

In addition to the security of an A XV carrier,the CAPSTONE program offers an occurrence policy with an option for Prior Works Buy-Back.   The CAPSTONE program can also provide Additional Insured Endorsements with Completed Operations for both Residential and Commercial.


The CAPSTONE program provides the flexibility you need to meet the actual needs of your clients. We offer very competitive pricing, with a minimum premium as low as $300. Please don’t forget that the CAPSTONE program is accessed through Commodore’s easy to use on-line rater and application.


  • Home Builders

  • Framing Contractors

  • B Licensed Remodeling Contractors

  • Handyman, Janitorial and Carpet Cleaning

  • Electrical

  • Plumbing

  • Painting

  • Drywall

  • Floor Covering

  • Heating and Air Conditioning

  • Landscaping/Lawn Maintenance

  • Concrete and Masonry

  • Tile, Stone, Marble, Mosaic, or Terrazzo


  • A XV Rated Carrier

  • NO New Construction Exclusion

  • Minimum Premium $300

  • Minimum Premium $500 [No Sunset]​

  • Fees starting at $150

  • Prior Works Buyback

  • Defense Outside the Limits Available

  • On-Line Rating and Application

  • Additional Insured Endorsement WITH Completed Operations for BOTH Residential and Commercial  

  • One Page Renewal Application

  • No Acord Apps OR Supplementals

  • No Loss Runs required

  • Competitive Rates for all 28 classes

  • Financing at all premium levels

  • New Ventures Acceptable

  • Up to $2.5 Million in Receipts

  • Primary Wording & Waiver of Subrogation at no additional charge

  • Occurence Form CG 00 01 12 07

  • Remodel Work on Condominiums

  • New Residential and Commercial Artisans

  • Up to 50% in Sub Costs

  • Optional 25% Credit for 100% service/repair work


Lloyd's Of London unique insurance market has an unrivalled concentration of specialist underwriting expertise. Every day, more than 50 leading insurance companies, over 200 registered Lloyd’s brokers and a global network of over 4,000 local coverholders operate in and bring business to the Lloyd’s market. 

The business written at Lloyd’s is brought to specialist syndicates, who price and underwrite risks, via brokers and coverholders. Much of the capital available at Lloyd’s is provided on a subscription basis – where Lloyd's underwriters join together as syndicates and where syndicates join together to underwrite risks and programs. This kind of collaboration, combined with the choice, flexibility and financial certainty of the market, makes Lloyd’s the world’s leading insurance platform.


2700 Ygnacio Valley Road, Suite 190

Walnut Creek, CA 94598

License# 0799348