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Intake Checklist

General Contractor — Commercial Insurance

Everything you need to collect before submitting a commercial GL, WC, or auto account for a general contractor or specialty trade contractor.

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How to use this checklist: Work through each section with your client — by phone, email, or in person. Check each box as you collect the information. Flagged items ⚠ UW are common underwriting triggers — collect extra detail before submitting.
1

Business Information

Legal Business Name
DBA / Trade Name (if different)
Entity Type
LLC / S-Corp / C-Corp / Sole Proprietor / Partnership
FEIN (Federal Employer ID)
Years in Business
Contractor License Number & State
Business Mailing Address
Primary Contact Name & Phone
Primary Contact Email
Website (if any)
2

Operations & Scope of Work

Type of Contracting Work
e.g. General Contractor, Framing, Electrical, Plumbing, Roofing, HVAC, Painting, Landscaping, etc.
Residential Work (%)
Commercial Work (%)
New Construction vs Renovation (%)
Estimated Annual Gross Revenue
Largest Single Project Value (completed in last 12 months)
States Where Work Is Performed
Work on Buildings Over 3 Stories?⚠ UW
If yes, note the % of revenue and typical structure type.
Work on Condos, HOAs, or Tract Homes?⚠ UW
Excavation, Grading, or Underground Work?⚠ UW
Work Involving Pools, Spas, or Waterproofing?⚠ UW
Any Asbestos, Lead, or Mold Remediation?⚠ UW
Government or Public Entity Work?
Agent tip: Underwriters price contractor GL heavily based on the residential/commercial split and whether condo or tract home work is involved. Get these percentages right before submitting — incorrect splits are a top reason for mid-term audits and premium increases.
3

Employees & Payroll

Total Number of Employees (W-2)
Annual Total Payroll
Job Classifications & Payroll by Class
e.g. Carpentry $120k, Supervision $80k — needed for WC rating
Officers / Owners — Names & Roles
Note whether each should be included or excluded from WC
Experience Modification Factor (e-mod)
Check WCIRB or ask prior carrier — 1.0 = average; over 1.2 may limit markets
Formal Safety Program in Place?
4

Subcontractors

Do They Use Subcontractors?
Annual Subcontractor Costs⚠ UW
Do All Subs Carry Their Own GL?⚠ UW
Uninsured subs = exposure rolls up to the GC's policy
Does Client Collect Certificates of Insurance from Subs?
Are Subs Added as Additional Insureds?
Types of Subs Used (trades)
Agent tip: Subcontractor costs are a separate exposure base for GL rating. Some carriers exclude GL for uninsured subs entirely — confirm before binding.
5

Vehicles & Equipment

Company-Owned Vehicles?
Vehicle Details (for each)
Year, Make, Model, VIN, Garaging ZIP, Use
Employees Use Personal Vehicles for Work?
Triggers hired & non-owned auto coverage need
DOT Number (if applicable)
Tools & Equipment Value
Total replacement value of owned tools and equipment
Heavy Equipment? (owned or leased)
Excavators, cranes, lifts — may need separate inland marine or equipment floater
6

Prior Insurance & Loss History

Current GL Carrier & Policy Number
Current GL Expiration Date
Current WC Carrier & Expiration
Any Prior Cancellations or Non-Renewals?⚠ UW
GL Claims — Last 5 Years⚠ UW
Date, description, paid amount, open/closed — request loss runs from prior carrier
WC Claims — Last 5 Years⚠ UW
Auto Claims — Last 3 Years
7

Coverage Requested

Commercial General Liability
Desired limits — e.g. $1M/$2M, $2M/$4M
Workers Compensation
Commercial Auto
Umbrella / Excess Liability
Desired limit — e.g. $1M, $2M, $5M
Tools & Equipment / Inland Marine
Builder's Risk (specific project)
Additional Insureds Required?
List project owners, GCs, property managers who need to be listed
Waiver of Subrogation Required?
Agent tip: Always ask about additional insured and waiver of subrogation requirements before binding — these affect which endorsements need to be added and can impact premium. Get a copy of the contract if possible.

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