- Preferred Concepts

Underwriting Guidelines

Select an Industry:

Construction

Here are the types of construction risks that EZU can accommodate. If your exposure exceeds any of these guidelines, don’t panic! We have many ways of getting you the coverage that you need. Contact us at 866.308.8555 or underwriting@ezumbrella.com to see how we can help!

General

Annual receipts/sales up to $50,000,000
Total vehicle count not to exceed 50
No engineering or design work
All sub-contractors used must maintain same underlying limits and contractor must have contract indemnifying insured and naming insured as additional insured evidenced by certificate of insurance
Submit a FULL description of all operations
Individual or policy year aggregate losses, paid or reserved, for amounts greater than $100,000 during the last five (5) full policy periods may require additional loss information

Concrete

High rise or foundations up to 10 stories

Electrical

No airport, emergency or subway lighting, or security

Landscaping / Gardening

No pools, excavation, tree surgery, tree removal, patios or concrete work

Work involving scaffolding

No scaffolding over three stories

Plumbing

No fire protection sprinkler work (single-family private residence fire protection sprinkler work by referral)

Other

No process piping (for chemicals or petroleum)
No railroad construction
No home builders

Underwriting Guidelines

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