DUAL Select

Specifically created for small commercial accounts such as General Contractors, Custom Homebuilders, Remodeling Contractors, and more.

Why DUAL Select Small Acounts Program?

DUAL Select, which is complete with an intuitive online rating portal, is designed for small commercial accounts. This coverage is ideal for general contractors, custom homebuilders, remodeling, roofing, and artisan contractors with non-admitted capacity available. In addition, General Liability Coverage can be offered in most classes of commercial business such as habitational, mercantile, and hospitality.

Program Highlights
  • Carrier Rated “A VIII” by A.M. Best
  • Non-Contracting Classes can be Considered in NY
  • Maximum Premium: $30,000
Coverage Area
  • All States Except AK, CO, DE, HI, NY & WV
Submission Requirements
  • Acord Application
  • DUAL Supplemental
  • Loss Runs are Required for Accounts Generating $5,000 or More in Premium
  • New Ventures Considered with Adequate Experience
General Contractors
  • Custom Homebuilders, Remodeling and Commercial Construction
  • $1,500 Minimum Premium Occurrence/$1,000 Minimum Premium Claims Made
  • 100% Subcontracting Permitted
  • Blanket A.I., Blanket WOS, CG2037, per Project Aggregate and Blanket P/N Forms Available
  • Hired/Non-Owned auto to “Blanket AI, Blanket WOS, etc.
Artisan Contractors
  • $500 Minimum Premium for all Classes Except $2,000 for Roofing Accounts
  • Over 100 Approved Contracting Classes
  • Commercial and Residential Contractors
Non-Contracting Classes
  • $500 Minimum Premium for all Classes
  • Most Classes Considered Including: Habitational, Mercantile, LRO and Hospitality
  • No Products Driven Accounts


General Liability
  • Limits up to $1,000,000 per Occurrence/$2,000,000 Aggregate (Occurrence or Claims Made)
Contents Coverage
  • (Must be Packaged with the GL)
  • $200,000 Limit
  • Building Coverage is not Available
  • Minimum Premium: $250
  • Wind Coverage Available in Coastal Areas with Masonry or Better Construction
  • Can Include Property Enhancement Endorsement for “BOP-Like” Coverage
  • Business Income Coverage Available
Inland Marine
  • (Must be Packaged with the GL)
  • $200,000 Limit
  • Minimum Premium: $250
  • All Perils Excluding Flood and Quake
  • Contractor’s Equipment, Installation Floaters, Miscellaneous Tools ($2,000 Maximum)

Ineligible Risks/Exposures

  • New construction of Tract, Condo or Townhomes
  • Exterior work above 3 stories
  • Roofers doing any hot tar, torch work, spray-on or any roofing applications that require a heat source to apply
  • (Our online rating system will decline Artisans Contractors doing plumbing, appliance installation, tree trimming, welding, metal fabrication, boiler work, street/road construction, traffic signage or signal work, in addition to other classes that are ineligible)

Contact Our Team


VP, Division Leader - DUAL Select

973-631-7575 Ext. 220



Renewal Underwriter

973-631-7575 Ext. 221



Senior Underwriter

973-631-7575 Ext. 222



Underwriting Assistant

973-631-7575 Ext: 805



Renewal Underwriting Assistant

973-631-7575 Ext: 417