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Contractors Choice Wrap and Projects

Contractors' Choice is one of the longest-running value-added insurance programs for the building industry since 1998. The General Liability coverage is specifically designed for General Contractors, and offers a Wrap coverage including all trade subcontractors. The program is ideally suited for Residential & Commercial General Contractors and Developers, and features broad coverage forms, a highly-rated insurer, and proactive risk management services including loss control and claims administration.

Program Fact Sheets
Architectural Diagram


Who's Behind It: Contractors' Choice is underwritten by Pioneer Programs Insurance Solutions, LLC


Carriers: Non-admitted “A” (XV) rated carrier by A.M. Best Company, all states


Who It Covers: The program is designed for general contractors and developers engaged in residential and commercial construction, as well as their related subcontractors for specific projects. Type of construction includes single family residences, low-rise and high-rise condominiums, townhomes, & apartments, as well as some commercial buildings.


Where It Covers: The non-admitted program is available in all states except: New York & NV (Clark County)



  • Limits up to: $2,000,000 each claim, $4,000,000 general aggregate.

  • $4,000,000 products and completed operations aggregate available

  • Defense is in addition to the limit

  • Excess Liability up to $10,000,000 available

  • Form is 2007 ISO based occurrence

  • No subsidence exclusion (for risks that qualify)

  • Peer review required on all risks from approved vendors

  • Project Specific Policies available

  • Extensive loss control services including:

    • Safety manuals

    • Sample project book

    • Certificate of insurance software

  • Wrap administration required from an approved administrator

  • Minimum Premiums: $50,000 – Wraps & Conventional policies; $35,000 – Project Specific

  • Minimum Retention: $25,000 Self Insured Retention (SIR) for wraps/ $10,000 for Project Specific



A complete submission is required to be able to provide the best terms & pricing

  • Completed Acord forms

  • Completed Wrap-Up Questionnaire – important – the completion of this document will enable us to assess the risk accurately and timely

  • Soils Report

  • 5 years of currently valued loss for the general contractor

  • Narrative on the details of the risk to be placed

  • Financials but not required unless a $100,000 or more SIR is requested

  • Detailed construction budget

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