Demolition Contractors

Providing general liability, auto, pollution, and excess coverage for wrecking and/or salvage operations in most states.

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DemoPro, our insurance program for demolition contractors, provides coverage for wrecking and/or salvage operations in most states. Program highlights include superior claims and loss control service, as well as local rating and underwriting.


Target Classes

  • Wrecking buildings or structures
  • Interior demolition (stripping out) of buildings and structures

*At least 75% of GL receipts must come from these classes 


Other Allowable Operations (up to 25%)

  • Excavation
  • Grading of land
  • Recycling of construction debris


Ineligible Operations

  • No demolition contractors where more than 25% of demolition operations are subbed out to others
  • Wrecking ball and/or blasting performed by the insured



  • General Liability
  • Automobile
  • Pollution
  • Excess



All states except Alaska and Hawaii



  • General Liability
    • General Aggregate $2,000,000
    • Products/Completed Operations Aggregate $2,000,000
    • Personal & Advertising Injury $1,000,000
    • Each Occurrence $1,000,000
    • Fire Damage $100,000
    • Medical Expenses $5,000
    • Contractors Pollution Liability Coverage available
    • Per occurrence deductibles of up to $25,000 either on an individual BI and PD basis as well as a BI/PD combined available
  • Auto - $1,000,000 CSL


Minimum Premium

$10,000 General Liability



  • A.M. Best “A” rated carrier
  • Non-Admitted paper for GL and Excess
  • Admitted for all other lines



  • 75% of operations must be derived from demolition-related activities
  • Completed Acord application
  • Demolition Contractors Supplemental Application
  • Currently values loss runs for the past five years
  • Narrative of any losses in excess of $50,000
  • Current balance sheet and most recent audited financial statement including notes or D&B equivalent
  • Signed TRIA upon building
  • If employee leasing is done, a copy of the lease agreement
  • Details of all operations, including discontinued or sold operations, and new acquired operations
  • Current drivers list and MVRs