Industry-Specific General Liability Insurance for Small Artisan Contractors

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Our Capstone GL Program

Construction and contracting occupations involve some of the most diverse and risky work, which, if any accident occurs, could result in your clients being held liable for third-party injuries or property damage.

Contracting and construction business owners rely on General Liability coverage to address their exposures. The GL policy is designed to help protect them in a lawsuit involving bodily injury, property damage, and products liability/completed operations.

Our Capstone Program is uniquely designed for small artisan contractors, providing coverage features that speak to the industry’s risks. Plus, getting a competitive quote into the hands of your clients is easy with our online rater and streamlined application.

Program Features

Minimum Premium $300
Minimum Premium $500 (No Sunset)
Fees Starting at $150
Limits Up to $1MM/$2MM/$2MM
Prior Works Buyback
Defense Outside the Limits Available
Competitive Rates for All 28 Classes
New Ventures Acceptable
Up to $2.5 Million in Receipts
Occurrence (ISO) Policy Forms on ALL Policies
Remodel Work on Condominiums and Apartments
New Residential and Commercial Artisans

Up to 50% in Sub Costs
Optional 25% Credit for 100% Service/Repair Work
Priced on Payroll
Additional Insured Endorsement WITH Completed Operations for Both Residential and Commercial Available
Sunset Options are Available but Not Required
Additional Insured (Ongoing operations), Primary Wording & Waiver of Subrogation at No Additional Charge
Online Rating and Application
One-page Renewal Application
No Acord Apps or Supplementals
No Loss Runs Required

Capstone Guidelines

Capstone CA Classification Guide

Capstone OR/WA Classification Guide

Your Source for Affordable, Fast Contractor’s General Liability Insurance

Commodore Insurance Services is a Managing General Agency and Program Manager, providing top-level insurance products to construction clients while making it easy to do business for our brokers. Let’s work together.