Beacon Hill offers flexible product solutions to your accounts:

Standalone Excess

Businesses needing to increase coverage limits for a project will often consider a Standalone Excess policy. This provides coverage beyond the limits of an underlying policy, and relies exclusively on its own policy/agreement, not on the primary. This is an easy way to increase the amount of coverage an insured has and to fulfill contractual requirements. Read more about Standalone Excess policies.

Project Specific Policies

Although a practice policy is important, many insureds need certain lines of coverage and limits for a project. A project policy addresses the specific requirements needed to secure work on a project and provides coverage for the exposures a contractor may encounter during it. The premium is typically based on job details and not on the job duration. Read more about project specific policies.

Construction Wrap Up Policies

Many property owners or general contractors planning a project will secure a construction wrap-up. This is a type of policy that is controlled by the site owner (OCIP) or construction manager (CCIP) and provides coverage for all contractors involved in the job. This type of policy not only protects the owner/manager, but also any subcontractors performing work, including excavation/grading contractors, HVAC, plumbers, electricians, drywallers etc. It also ensures that the limits on the policy are adequate and specific to the project. A construction wrap-up typically includes Contractors Pollution Liability for any issues resulting from the work performed by the contractors. A Completed Operations endorsement may also be added which will guarantee that coverage is in place for as long as the owner/manager needs it to fully complete the job. Read more about construction wrap up policies.

Workers Compensation, with Pollution

A Workers Compensation policy provides coverage for an employer’s exposure arising out of job-related injury/death resulting from an accident or occupational disease sustained by employees. Moving Workers Compensation accounts from assigned risk (or other state programs) into a program will offer exceptional coverage at a very competitive rate. Learn more about Workers Compensation.

Auto Coverage, with Pollution

Automobile insurance coverage is typically required for most businesses; an Auto policy including Pollution is an ISO based Auto form including broadened pollution endorsements and any motor carrier filings. Learn more about Auto insurance underwriting.