Commercial and Residential Construction

ALTA can provide coverage on commercial and residential construction risks in all states with the exception of NY state. ALTA can respond quickly to the Excess Liability needs of both project specific and annual practice risks.

Target Market: Commercial Construction and Residential Construction 

  • ALTA's commercial construction definition includes new apartment work and residential re-work
  • 100% paper GC business acceptable in all states, except New York
  • Project Specific policies
  • Excess Commercial & Apartment WRAP
  • Owners Interest only
  • Follow form CG 2279 (Means and Methods Professional)
  • Acceptable trade classes for annual practice policies include:
    • Air conditioning / heating installation
    • Auto dismantling or salvage yards
    • Carpentry
    • Cell tower erection
    • Communications equipment construction
    • Concrete construction
    • Concrete pumping
    • Conduit construction
    • Demolition (no blasting)
    • Drywall
    • Electrical work
    • Excavation work
    • General contractors
    • Grading work
    • Janitorial services
    • Landscaping services
    • Painting
    • Machinery installation
    • Masonry
    • Overhead door installation
    • Roofing
    • Sewer / water mains construction
    • Steel erection up to five stories


  • Up to $5M lead or excess attachment


  • Follow Form coverage is available on a non-admitted basis in all states

Submission Requirements

  • Completed Application (Accord or other acceptable Umbrella Application)
  • Contractor Supplemental Application; Fleet or Trucking Supplemental as needed
  • Five (5) year loss summary
  • Loss detail for losses in excess $50,000
  • Web site address
  • Expiring Umbrella / Excess carrier and premium
  • Underlying terms and conditions
  • Target pricing by layer