Prime Specialty Response to COVID-19

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Commercial General Liability

Prime Specialty’s Commercial General Liability Division writes Primary Coverage for accounts domiciled in New York (admitted in the New York Free Trade Zone), New Jersey (on surplus lines basis) and Connecticut (on surplus lines basis). Our carriers are Rated “A (IX) and A- (VII)” by A.M. Best

While the majority of the business we entertain is contracting-based, we are able to consider other classes.

Limits offered are:

  • $1 Mil Each Occurrence/$2 Mil General Aggregate/$2 Mil Products & Completed Operations
  • $2 Mil Each Occurrence/$4 Mil General Aggregate/$4 Mil Products & Completed Operations

Contracting Appetite

  1. Designated Project Policies
    1. Covering only the OWNER of the project
    2. Covering only the General Contractor (GC) on the project
    3. Covering only a certain Subcontractor on the project
    4. Covering the OWNER and GC on the project
  2. Tradesmen
  3. Homebuilders
  4. General Contractors (where some (or all) of the work is subcontracted to others)

* At this time, Prime does NOT write WRAP UP POLICIES naming OWNER, GC, and all subs as Named Insured entities on the same policy.

Follow-Form Excess Liability

Prime Specialty’s Excess Division writes Follow-Form Excess Liability coverage on behalf of an AM Best "A + XV" Rated carrier admitted in the New York Free Trade Zone. The coverage may be placed over annual 'practice' policies where the contractor is domiciled in NYS and over 'designated project' policies where the project is NYS based. Prime will consider quoting Owners, GCs (subbing out some or all of their work), and Trade Contractors. Limits of 'up to' $3,000,000 are available.

Please note that we will only quote excess of Prime Specialty CGL (1.2.2 or 2.4.4) placements. For more information please contact your Prime Specialty Underwriter.