Beach & O’Neill Insurance Associates Inc. offers a wide variety of insurance markets for Specialty Trade Contractors. Many California insurers define a Specialty Trade Contractor as any contractor holding a trade(s) specific contractors license (ie: C10 Electrical).

Many California insurers divide Specialty Trade Contractor insurance programs into three primary categories. These consist of programs for:

1. Large and small tract home subcontractors.
   
   
2. Subcontractors performing new construction and remodel work.
   
   
3. Subcontractors performing service and/or repair work.
   
   

Programs available to service and/or repair contractors can accept both residential and commercial construction operations.

Services Provided to Trade Contractors

Writing insurance for trade contractors is a specialized process requiring an understanding of the relationship between the prime contractor and the subcontractor. With today’s complicated risk transfer mechanisms in place, trade contractors face an onslaught of contractual requirements designed to insulate project owners, developers, general contractors and property management firms from liability. Examples of services we provide daily to our Specialty Trade Contractors include:

• Certificate of Insurance administration and analysis.
  
  
• Negotiation of contract insurance requirements between the general contractor and subcontractor.
  
  
• Providing an understanding of insurance contract language
  
  
• Review of OCIP (Owner Controlled Insurance Programs) and Project Specific WRAP Programs.
  
  
• Identifying exposures within the Commercial General Liability Coverage Form and providing suggestions to assist you in managing your risk.
  
  

We have Insurance Markets for Residential Tract Work

Beach & O’Neill Insurance Associates Inc. represents several programs designed for Specialty Trade Contractors performing tract home construction. We have markets for Specialty Trade Contractors regardless of size, including tough to place trades like concrete and framing. Our programs include insurance for:

• Large tract home subcontractors with high employee payroll performing
  production work. These programs are for contractors currently paying high minimum premiums. No tract size limitations apply.
  
  
• Small tract home subcontractors working in subdivisions of less than 25 homes. Policies restrict coverage to fewer than 25 homes per sub-division and offer midrange premiums.
  
  
• Small tract home subcontractors performing work in sub-divisions of any size
  subject to minimum premiums as low as $5,000.
  
  

New Construction, Remodeling, Service & Repair Trade Contractors

Beach & O’Neill Insurance Associates Inc. represents a wide selection of carriers offering insurance for Specialty Trade Contractors. Whether you are looking for a carrier that offers a policy for service and repair operations, while excluding new residential construction, or if you are an trade contractor performing new construction work in multi-million dollar homes, we have a program for you. With access to over 40 artisan contractor insurance markets in the State of California, we can accommodate both large and small trade contractors.

Working as a trade contractor or subcontractor in California has never been more challenging. You need a broker that understands your business and the complexities of risk management, risk transfer and construction coverages. We want to be a valuable member of your team and provide you with the tools and knowledge our years of experience can provide. Beach & O’Neill Insurance Associates Inc. has placed insurance for thousands of Specialty Trade Contractors in California. Contact us today, let us demonstrate how we can make a difference in the insurance protection provided to you and your business.