Trade Contractors & Construction Insurance
Tradesman is a market-leading insurance solution for the industry’s best trade and general contractors. Our program offers specialized coverages tailored to meet the needs of contractor and construction risks.
Home » Our Specialties » Trade Contractors & Construction
About Tradesman Program Managers
Tradesman Program Managers (Tradesman) operates under a limited distribution model with appointed agencies and specializes in tailored General Liability Coverage for the construction industry. Our unique program combines expert underwriting, state-of-the-art technology, comprehensive loss control and risk mitigation to address industry-specific risks. Our success is based on the implementation of best safety practices and we invest heavily in customized loss prevention, proactively integrating core safety measures and real-time monitoring. Our services include underwriting, claims handling, loss control, and risk management, all reinforced by industry-savvy experts. Tradesman’s collaborative approach ensures you receive the expertise you need.
Speak with an Expert
What We Write
Commercial Trade Contractors
Availability:
Available in AL, AZ, CA, CT, FL, GA, LA, MA, NC, NJ, NM, NY, PA, SC, TX & VA and other states as may be presented.
Target Classes:
Carpentry, Concrete, Drywall, Electrical, Excavating, Framing, Grading, Masonry, Mechanical, Painting, Paving, Plastering, Plumbing, Steel Ornamental, Steel Structural, Tile Work-Indoor, Wallboard Install, HVAC
- Trade Contractors (subcontracting less than 25% of work)
- Non-Construction Defect States for residential Construction will not be considered in specific states
Features:
- Admitted (NJ & NY) & Non-Admitted (all other available states). We also write Out-of-State Subcontractors
- Limits – $1M/$2M (Outside NY) up to $2M/$4M Primary Layer – $10M Total Aggregate (Subject to UW discretion) – Minimum Deductible (NY & NJ) $25K – All other states $10K
Eligibility Map
For general questions/inquiries, please contact:
info@tradesmanprogram.com
For all claims inquiries, please contact:
claims@tradesmanprogram.com
For all submission inquiries, please contact:
submissions@tradesmanprogram.com
For all audit inquiries, please contact:
audit@tradesmanprogram.com
Commercial General Contractors
Availability:
Available in AL, AZ, CA, CT, FL, GA, LA, MA, NC, NJ, NM, NY, PA, SC, TX & VA and other states as may be presented.
Target Classes:
- General Contractors with incidental payroll. Majority of work must be subcontracted out.
- Targeted Sales* $25M+ in NY & NJ; $15M+ all other states.
*may consider lower sales on case by case basis.
Features:
Admitted policy (NJ & NY) & Non-Admitted (all other available states)
Limits:
- $2M/$4M Primary
- $8M Excess GL Only ($3M Lead XS $5M High XS)
- Up to $10M Aggregate (GL Only)
- Minimum Deductible (NY & NJ) $25K – All other states $10K
Eligibility Map
For general questions/inquiries, please contact:
info@tradesmanprogram.com
For all claims inquiries, please contact:
claims@tradesmanprogram.com
For all submission inquiries, please contact:
submissions@tradesmanprogram.com
For all audit inquiries, please contact:
audit@tradesmanprogram.com
Program Highlights:
- Select Broker Distribution
- Admitted GL & XS Policies
- Primary Non-Contributory
- Waiver of Subrogation
- Blanket Additional Insured
- Per Project Aggregate capped at $10M
- NY Labor Law Coverage is Provided
Services:
- Underwriting and policy issuance
- Multi-line P&C claims handling performed by licensed adjusters
- Loss control and risk management services
- Best-in-Class risk management SaaS platform
Applications
Name | Format | Download / Form |
Tradesman Broker Appointment Questionnaire | Online Form | |
Tradesman Supplemental Application | Download | |
Tradesman WIP (Work In Progress) Schedule | Download | |
Tradesman Subcontractor's Schedule | Download | |
Tradesman General Liability Claim | Online Form | |
Workers' Compensation Incident | Online Form | |
TPM Regulatory Disclosure | Download | |
Auto & Artisan Contractors General Liability & Excess Liability Application | Download | |
Auto Supplemental Application – NY State Only | Download | |
Auto Supplemental Application – CA State Only | Download |
Why Work with Tradesman Program Managers?
25+ Years of insurance experience
Industry Expertise
Specialized Coverages
Specialty MGU service platform
Experienced Management Team
Impressive U/W Performance
Roosevelt Road Re Capacity
Diverse panel of 30+ Authorized Reinsurers
Our Team
The TRADESMAN management team is comprised of seasoned experts with extensive experience across the MGA and reinsurance industry, and the proven ability to navigate today’s market.
Dan Hickey
Rick Ecklord
Thomas Kelly
Sean McDonnell
Joe Mercurio Jr
Jennifer Pymm
Samuel Hickey, CRIS
Jim Kilduff
Greg Jablonsky
Al Gutierrez
Anthony Dietz
Phone
Phone
Thomas Kelly
General Counsel
Phone
Phone
- Structure Tone- 10 Columbus Circle (SSM)
- Roger & Sons/Turner Construction- 66 Hudson Blvd (SSM)
- AECOM Tishman- Hudson Yards Tower E (CSFSM)
- W&W Steel Erectors- Hudson Yards Retail and Tower A(Safety Manager)
- Yonkers Contracting- Montreign Resort Casino at Adelaar (Safety Rep.)
- Belway Electric- Regeneron Pharmaceuticals (Safety Rep.)
- Lendlease- Winthrop University Hospital (Safety Rep.)
- Certified Safety Professional (CSP)
- Licensed NYC Site Safety Manager (SSM)
- Associate Safety Professional (ASP)
- Construction Health and Safety Technician (CHST)
- 62 Supervisor SST Card
- OSHA Authorized Construction Trainer
- National Safety Council Defensive Driving Instructor
- Construction Site Fire Safety Manager (CSFSM)
- ATSSA Certified Flagging Instructor
- ATSSA Certified Traffic Control Supervisor
- 32 Hour Signal Person/Rigging Supervisor Trainer
- 32 Hour Rigging Supervisor
Phone
Phone
Phone
Phone
Al Gutierrez
VP of Broker Relations-West Coast
Phone
FAQs
Submission Requirements
To obtain a quote with the best possible terms, we need:
- Five years of currently valued loss runs within 90 days of the renewal date for GL
- Current copy of the insured’s Contractors State License
- Current “Work in Progress” schedule
- Completed ACORD application including:
- Expiring premium
- 5 years of previously audited premiums
- Completed Contractors Supplemental application
- Loss control: Full pre-bind inspection of exterior work and post-bind verification inspections
- Loss ratio: Five-year average loss ratio must not exceed 50%. Underwriting will review frequency vs. severity scenarios to determine binding.
- Minimum length of time in business: Five years
- Minimum premium: New York, New Jersey – $300,000
- Large Loss Summary: Accounts with a loss exceeding $25,000 must provide a detailed claim summary.
Submit your business to: submissions@tradesmanprogram.com
TRADESMAN requires insureds to allow loss control to inspect their facilities; Completed Operations, complaints, and failures will be studied, and any remediation attempts will be noted. Loss Control will confirm if any behavior modification programs have been implemented to prevent further loss exposure.
Carrier Partner
Claims Partners
Claims Highlights
- 8 in-house Labor Law Attorneys
- Semi – Annual Claim Review
- Quarterly WC Loss Run Reviews
- Aggressive NYLL Fraud Investigation
- Claim Oversight Manager Dedicated to each Insured
- Early Reporting Training
Loss Control Partners
- Time Tracking & Payroll
- Online Training and Certificate Tracking
- Safety Management System
- Ai Dash Cams
- Driver Safety & Coaching
- Site Visibility
- GPS Fleet Tracking
Loss Control Highlights
- Over 1,200 site visits annually
- Monthly or bi-weekly visits for each insured
- real time post incident investigations
- Free HASP consultations
- OSHA & DOB updates
- In office Safety Consultations
Risk Engineering:
Each client will receive risk engineering services through the nation’s leading safety management team.
- Monthly field visits
- Annual Risk Summaries
- Embedded Technology
- Incident reporting
- Accident investigations
- Full risk assessments (GC)
- Client Risk Apps