General contractors
Construction firms that manage and build commercial or residential projects, often using subcontractors.
The exposure
GCs are liable for jobsite injuries, property damage, and defective work across their own crews and their subs. A single third-party injury or a completed-operations defect, like a failed staircase or water intrusion, can draw a six-figure claim, and subs with no coverage roll up to the GC at audit.
Coverages this class usually needs
National benchmark premiums
Rated on: Payroll (workers' comp) and gross receipts (general liability)
Pricing figures are national typical or median ranges for small operators at commonly quoted limits, drawn from the published sources named on each page. They are budgeting benchmarks, not quotes. Your premium depends on state, payroll, revenue, limits, deductible, and loss history.
Sources: Insureon; ContractorsInsured; Construction Coverage; Shurr Insurance.
Where this risk gets hard to place
GCs with heavy self-performed high-hazard scope, poor loss runs, or large subcontractor exposure often move to E&S when admitted carriers restrict class or limits.
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