SitePro®
SitePro® is a specialty insurance program designed specifically to service excavation and grading of land contractors. This program is one of the most comprehensive insurance programs available for contractors focused on site preparation and land improvement, with many coverage enhancements tailored specifically to their insurance needs. 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
- AM Best (A) Rated (Excellent) Carrier (Company Size IX)
- Competitive Rates
- Superior Customer Service
- ISO-based Program
Eligible Exposures
- Excavation
- Site Preparation
- Land Improvement
- Grading of Land
- Paving Contractors
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
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
Minimum Premium
- $5,000 (General 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)
