SitePro®

SitePro® is a commercial insurance program designed specifically to service excavation and land preparation contractors. This program is one of the most comprehensive insurance programs of its kind, with many coverage enhancements tailored specifically to the insurance needs of these classes of business. SitePro® offers competitive pricing for businesses of all sizes, from small contractors (with minimum premiums as low as $5,000) to large multi-state operations.

Program Highlights

  • A.M. Best “A Rated” (Excellent, Financial Size X) Carrier
  • ISO-Based Program
  • Competitive Rates
  • Superior Customer Service

Eligible Exposures

  • Excavation Contractors
  • Site Preparation Contractors
  • Land Improvement Contractors
  • Grading of Land Contractors
  • Paving Contractors
  • Roadway Striping Contractors
  • Eligible States: Program is admitted in all states and can currently be written in 45 states (Exceptions: AK, HI, ID, MT, and NYC’s 5 Boroughs)

Ineligible Exposures

  • Accounts subcontracting more than 40% of their work
  • Accounts performing work as a General Contractor or Paper Contractor
  • Underground storage tank removal, tank construction, cleaning, or repair work (except septic tank work)
  • Environmental remediation / abatement contractors

Minimum Package Premium

  • $25,000

Lines of Business

  • General Liability – Premises and Operations (limits up to $1M per occurrence, $2M general aggregate, $2M products completed operations aggregate)
  • Auto Liability & Physical Damage ($1M combined single limit)
  • Property (limits up to $3M total insured value)
  • Inland Marine (limits up to $3M)
  • Umbrella Liability
  • Workers’ Compensation (Statutory Limits)

Special Coverages

  • Blanket additional insured
  • Per project aggregate
  • Blanket waiver of rights
  • Employee benefits liability
  • Limited jobsite pollution liability

Submission Requirements

  • Completed and signed ACORD applications and NIP SitePro Supplemental
  • Complete description of operations
  • 3 years plus 1 current year of currently valued, hard copy loss runs for all lines of business being requested
  • MVRs for all drivers of company vehicles (if auto coverage requested)
  • Workers Compensation: Description of safety initiatives, hiring practices, return-to-work and drug testing programs; Experience Modification Worksheet and 3-5 year history (if available)
NIP Group, Inc. 900 Route 9 North | Suite 503 | Woodbridge, NJ 07095-1003 | 800.446.7647