When it comes to mid-market Contractors General Liability — premiums $15K and up — the faster a submission is accurate, the faster coverage can be bound. Much of the essential information is already in your submissions; the key is verification and completeness. Using our AI-powered, human-supported approach, we help agents quickly confirm details, reduce back-and-forth, and get contractors protected faster.
Here’s what matters most for a valid
mid-market submission:
- Named Insured
Accurate legal names (and DBAs, if applicable) prevent delays and ensure the policy is issued correctly. - Business & Location Addresses
Include both business and operational/jobsite addresses, if different. Underwriters need this to evaluate risk and exposure accurately. - Effective Date
Confirm the requested start date aligns with project schedules to avoid coverage gaps. - Years in Business / Field Experience
Stability and trade experience help underwriters assess risk and to properly evaluate the exposure. - Full Description of Operations
Specific details about work types, contractor specialization, and scope ensure coverage matches risk. Accuracy speeds approval. - Multiple Class Codes
If applicable, include each class code with the percentage of operations. For example: 60% interior painting, 40% carpentry. - Prior Claims History
Provide claims info for the last five years — even a simple confirmation of no claims works.
Transparency avoids delays. - Revenues, Payroll & Subcontractor Costs
Accurate financials ensure the policy is properly sized: annual revenue, payroll, and subcontractor costs matter. - Residential vs. Commercial Exposure
Specify the percentage split between residential and commercial work. This helps underwriters evaluate limits and risk accurately.
Bottom Line
Accuracy equals speed. The faster we validate submissions, the faster we can bind coverage. Using our AI-powered, human-supported approach, underwriters can quickly confirm key details, reduce back-and-forth, and deliver reliable mid-market GL protection — providing the right coverage for the contractor’s specific needs.
Read more about our Contractors GL product for higher premiums ➡️