Protect your business and unique risks with our stand-alone or package offering. Merlin Underwriting is committed to delivering exceptional customer service and knowledge for contractors and construction-related exposures. We strive to provide flexible and practical solutions along with a unique approach to underwriting business and exposures in the construction/contractors segment.

Core lines of coverage:

Property/Inland Marine

  • All Risk Property Insurance including Business Income Insurance
  • Equipment Breakdown Insurance
  • Contractor’s Equipment including Rented, Borrowed, Leased Equipment
  • Tools, Installation Floater and Miscellaneous Form
  • Builder’s Risk – individual/blanket (outside of our UNITY product)
  • Maximum limits of $10,000,000 – any one location, except $2,000,000 for Builder’s Risk

Umbrella Liability

  • Primary Umbrella
  • Excess Umbrella
  • Straight Excess
  • Stand Alone “buffer” layer
  • Minimum attachment point of $1,000,000
  • Maximum limits of $10,000,000

Contractor’s Pollution Liability

  • Claims-Made Form or Occurrence Form (excluding Mould) where required by contract only
  • Emergency Responses Costs
  • Project-specific policies available, where Merlin writes the overall package policy
  • Maximum limits of $5,000,000

General Liability

  • Occurrence Form Commercial General Liability, including NOA including SEF #94, #96 and #99
  • Employee Benefits E&O
  • Employer’s Liability
  • Maximum limits of $5,000,000
  • Available extensions of coverage available include:
  • Contractor’s E&O (claims-made form) – sub-limit up to $2,000,000
    • Coverage for the defense and indemnity for damages as a result of a negligent act, error or omission in the performance of professional services as related to that of the contractor
  • Faulty Workmanship – sub-limit up to $1,000,000
    • Coverage for the cost of tearing out faulty work due to defects that make its inclusion in the project unsafe. For coverage to apply, the work must fail to meet contractual specifications or other industry standards that apply to the type of construction into which the materials were incorporated
  • S&A Pollution (72, 120 or 240 hours) – sub-limit up to $2,000,000
    • Coverage for the bodily injury or property damage for sudden & accidental release of pollutants to third parties if detected within the specific time frame (either 72, 120 or 240 hours)
  • Forest Fire Fighting Expenses – sub-limit up to $2,000,000
  • Fungi or Fungal Derivatives – sub-limit up to $1,000,000
  • Employment Practices Liability – sub-limit up to $100,000

Customer Profile

Asbestos Abatement
Lead Abatement/Removal
Mobile Repair Service

Bio Remediation
Excavation Contracting
Liquid Waste Removal
Mould Remediation/Removal
Scaffolding Installation

General Construction
Paving/Road Construction
Sewer & Watermain

Cement & Concrete
Medical Equipment Installation
Production Facilities
Structural Steel Erection

Established environmental, general and specialty contractors
Contractors whose owner/management/key on-site personnel have a minimum of three (3) years of contracting experience