SitePrep helps construction contractors get specialty general liability insurance.

Construction contractors often face unique insurance requirements. Through SitePrep, a program offered by Origin Specialty Underwriters LLC, they can get comprehensive general liability coverage with enhancements specifically tailored to their needs.

What types of contractors are eligible for SitePrep?

SitePrep can accommodate most companies within the horizontal construction industry — from small independent contractors to large multi-state operations. Key eligible classes of business include:

  • Excavation and site preparation

  • Land improvement and grading

  • Horizontal drilling — conduit construction

  • Construction debris removal

  • Driveway, parking area, or sidewalk raving

  • Drilling (non-water)

  • Irrigation or drainage system construction

  • Septic tank installation

Wondering about the eligibility of a class of business? Email us or fill out the form above.

What are the benefits of SitePrep insurance?

Some of the top advantages of SitePrep insurance include:

  • Specialized coverages that help fulfill niche insurance needs

  • An ISO-based program backed by carriers rated “A- VIII” (excellent) or higher by AM Best

  • Flexible payment plans

  • Risk control guidance and proper valuation of your clients’ operations

  • Accounts rated off payroll (and sub costs, where applicable)

  • Responsive and solution-oriented customer service and claims handling

What are the key coverages of the SitePrep program?

The SitePrep program offers construction contractors several valuable features and coverages, including:

  • General liability — premises and operations (limits up to $1M per occurrence, $2M general aggregate, $2M products completed operations aggregate)

  • Blanket additional insured protection on all quotes (including completed operations)

  • CG 20 10/37 04 07 edition coverage may be available

  • Drone liability coverage available based on underwriting information

  • Per project aggregate coverage — may be included with no cap

  • Waiver of subrogation coverage — may be included

  • Employee benefits liability coverage — may be included

In addition, SitePrep doesn't enforce the following exclusions, bringing your clients added peace of mind:

  • No residential or tract limitation

  • No residential limitations or exclusions

  • No XCU exclusion

  • No earth movement exclusion

  • No subsidence exclusion

  • No PFAS exclusion

What are the submission requirements?

Here's what we need from your client:

  • Completed and signed ACORD applications

  • Completed and signed SitePrep Supplemental

  • Your FEIN number

  • 5 years of currently valued, hard copy loss runs