WestPac is the construction industry’s trusted source for all contractor insurance programs.

General Liability/Excess

Contractor’s General Liability and Excess insurance form the core of WestPac’s services. We provide comprehensive options for both residential and commercial projects, including new construction and remodel contractors. Our Construction team also specializes in practice policies.

Target Classes

  • General Contractors
  • Home Builders
  • Subcontractors - All Trade Classes
  • "Paper" Trade Contractors
  • Developers
  • Remodel Contractors
  • Restoration and Remediation Contractors
  • Heavy Construction Contractors
  • Crane and Rigging Contractors
  • Oil and Gas Contractors

WRAP & Project Specific Policies

Our Construction team specializes in WRAP and Project Specific policies tailored to meet your clients’ specific needs.

Program Highlights

  • Low minimum premiums
  • Multi-family projects highly desired - most subcontractors have multi-family exclusions
  • Our carriers are recognized as industry leaders nationally
  • 12 to 48 month policy terms - options for the policy to respond to project "phases"
  • Rolling WRAP programs available
  • Assured coverage for all subcontractors
  • One defense representation in the event of a loss
  • Subcontractor premium recovery - Owner/Contractor doesn't need to cover the total premium cost

Builder's Risk

Builder’s Risk is among Western Pacific’s fastest growing lines of business. We offer policies tailor-made for each risk’s specific demands whether new construction, renovations, or prior-start projects.

Program Highlights

  • Residential, commercial, and infrastructure
  • High protection class risks accepted
  • High value structures accepted
  • A.M. Best "A" and "A+" carriers
  • Multiple state locations
  • Single Shot Forms and Reporting Forms

Misc. Construction Lines

Our team offers a diverse range of products covering all aspects of contractor insurance. This includes Contractor’s Pollution coverage, Inland Marine, Contractor’s Professional Liability, and Workers’ Compensation. We strive to provide comprehensive coverage options to meet the specific requirements of contractors in various industries.

Workers' Compensation

Program Highlights

  • A "Excellent" Rated carriers
  • $1,000 minimum premiums
  • Multi-state operations accepted
  • Broad appetite for almost all industries
  • Efficient quoting and policy issuance
  • Proven carrier stability
  • In-house, free legal, claims, fraud investigation, and subrogation
  • New ventures may be accepted

Submission Requirements

  • Acords 125 & 30
  • 3 -5 years loss runs
  • Emod worksheet
  • Relevant loss detail & prevention info

Contractor's Pollution Coverage

Program Highlights

  • Options to combine Pollution, GL, and Professional Liability
  • "A" and "A+" rated carrier options
  • Minimum premiums as low as $1,000
  • Coverage for job site operations, and owned or leased properties
  • Coverage for transportation and disposal liability available
  • “Lead-safe” policy premiums as low as $850
  • Annual and per project policies
  • Limits up to $25M available
  • Occurrence and claims made forms
  • Fact sheets and supplemental info are available upon request

Contractor's Professional Liability

Target Classes

  • Electricians
  • Plumbers
  • Carpenters & Framers
  • Fencing services
  • Property Preservation
  • Drywall installation
  • Door & Window Installation
  • Appliance Installation
  • Alarm Installation
  • House Movers
  • Locksmiths
  • Cleaning Services
  • Plasterers
  • Drone Services
  • Caterers
  • Printers
  • Debris Removal
  • Animal & Pet Services

For more information, please contact:

Bobbie Sagan

Construction Underwriting Manager

Jessica Ragusa

Senior Underwriter

Tony Mancuso