Construction
Protection for Builders of the Future
Construction exposures vary, and there’s no one-size-fits-all insurance solution. Jencap’s team of experts specializes in a variety of construction-related coverages. We have a broad range of brokerage and binding authority markets, along with exclusive program solutions to accommodate your clients’ unique construction needs. Jencap has dedicated teams of construction brokers for every risk type, account size, and geographic area in the country. From new ventures and distressed projects to wrap-up policies and everything in between, we have you and your clients covered.
Target Classes of Business
Artisan Contractors
Carpentry
Construction Managers
Contractors Residential & Commercial
Drywall/Masonry
Electrical
Excavation
Framing
General Contractors
Home Builders
Landscaping
Luxury Home Builders
New York Construction
Railroad Construction
Remodelers
Roofing
Steel Erectors
Snow Removal
Street & Road Contractors
Tree Trimmers
Coverage Solutions
- Auto (Primary/Excess/Hired & Non-Owned)
- Blanket Waiver of Subrogation
- Commercial General Liability
- Disciplinary Proceeding Expense Reimbursements
- Equipment Breakdown
- Inland Marine
- OCP Liability/Wraps
- Per Project Aggregates
- Physical Damage
- Pollution/Environmental Coverages
- Professional Liability
- Subpoena Expense Coverage
- Two-Way Tail
- Workers’ Compensation
- Auto (Primary/Excess/Hired & Non-Owned)
- Blanket Waiver of Subrogation
- Commercial General Liability
- Disciplinary Proceeding Expense Reimbursements
- Equipment Breakdown
- Inland Marine
- OCP Liability/Wraps
- Per Project Aggregates
- Physical Damage
- Pollution/Environmental Coverages
- Professional Liability
- Subpoena Expense Coverage
- Two-Way Tail
- Workers’ Compensation
Project Completion Insurance
Leverage this exclusive, modern tool in construction risk management that is not available anywhere else on the market.
Exclusive Construction Programs
From simple additions to ensuring worker safety, Jencap specialists focus on bringing your clients the right solutions to match their unique exposure. Construction exposures vary and there’s not a one-size-fits-all solution for every risk. Our team of experts specialize in a variety of construction-related coverages.
Architects & Engineers Professional
(Wholesale Only)
This program protects businesses from claims that may arise from allegations of third-party financial losses due to errors and omissions or negligence in the performance of professional services.
MiniCo Architects and Engineers Professional Liability Insurance provides errors and omissions (E&O) coverage for a vast spectrum of architects, engineers, construction managers, and other professionals serving the construction, manufacturing, and environmental industries. Architects and engineers professional liability insurance helps to protect these businesses from claims that may arise to include allegations of third-party financial losses due to errors and omissions or negligence in the performance of professional services.
Artisan Contractors
From simple additions to ensuring worker safety, our specialists focus on bringing your clients the right solutions to match their unique exposure.
The artisan contractors insurance program offers solutions for commercial, residential, and service and repair contractors. Additional insureds, primary wording, waiver of subrogation, and per project aggregate are included at no additional cost. Artisan Contractors is available in select states.
Construction Managers
This exclusive Construction Managers Program combines professional and general liability to limit potential coverage gaps.
Jencap’s Construction Managers Program was designed to accommodate the unique risks and challenges faced by Construction Managers and integrates a general liability and professional liability package for them. Certified construction managers receive preferred rating in our proprietary composite rating structure. The program offers low minimum premiums, project-specific and excess policies, and is available nationwide except in CO and LA.
Cyber
This program covers a variety of security breaches and data theft, as well as data extortion.
MiniCo offers a breach-response product from industry leader Beazley Insurance. Coverage includes security and privacy liability for employees and customers in the event of data theft; data recovery and loss of business income, including denial-of-service attacks and system malfunction; privacy regulatory defense and penalties including costs to comply with post-breach regulatory action; crisis-management costs such as customer notification, support, and credit-monitoring; and data extortion including payment of ransom monies to secure the return of data. This program is available in most states.
Environmental and Pollution
This program is designed and intended for traditional environmental contractors, design professionals, and other specialty classes defined as "environmental" by the program appetite.
Jencap’s team of specialized brokers provides coverage for environmental contractors, consultants, engineers and solar installation contractors. Our E-PAK program is offered on A++ XV paper and is available in 48 states countrywide (no coverage available in New York or Louisiana). This program is available for retail distribution only and we are licensed in all 50 states.
Equipment Breakdown
Monoline coverage for commercial properties that protects critical business equipment.
MiniCo Equipment Breakdown Insurance complements existing commercial property policies and specifically addresses exposures related to equipment breakdown. MiniCo's experienced, knowledgeable staff provides responsive customer service and customized coverage to meet the needs of each policyholder.
Landscaping Contractors
MiniCo’s Landscaping Contractors program insures commercial, residential, and service & repair contractors.
This program is available in AZ, CA and NV only. Coverages include: Admitted and non-admitted GL coverage options, cyber liability coverage offered on every GL quote (opt-out provision included; higher limits available), commercial auto including broadened coverage endorsement, property coverage including broadened coverage endorsement, enhanced equipment breakdown coverage available (includes sub limit and deductible options), inland marine coverage and excess liability coverage.
Luxury Home Builders & Remodelers
This program is designed for experienced builders who build up to 15 homes per year with excellent loss prevention and contractual risk transfer procedures in place.
Jencap offers an exclusive non-admitted program tailored for luxury home builder Paper General Contractors constructing homes that have a sale price of $500,000 and up. Coverage is provided for new home construction including incidental remodeling and renovations. The focus of the program is single family home construction and does not extend to construction of condominiums or townhomes. Project-specific policies are available.
NY Contractors Liability
(Wholesale Only)
New York’s commercial and residential contractors, general contractors, and trade and artisan contractors enjoy competitively-priced general liability and excess liability coverage.
MiniCo Contractors Liability Insurance offers competitively-priced general liability and excess liability coverage in NY for commercial and residential contractors, general contractors, and trade and artisan contractors. MiniCo’s experienced, knowledgeable staff provides responsive customer service in a timely manner. Our program is offered in partnership with an AM Best A-XV-rated carrier. This program is available in NY only.
Specialty Trade Contractors
(with Action Over in NY)
This program offers broad general liability coverage that has not been readily available in the non-admitted marketplace for the small-to-mid-sized trade contractors with gross revenues less than $35 million.
The Jencap Specialty Trade Contractors Program is for specialty trade contractors who perform only one trade, but subcontract in excess of 70% of that work with a track record of superior loss control and contractual risk transfer protocols in place. New ventures will be considered with 5+ years prior construction experience.
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