Insurance for Contractors.

At Grau Insurance Services, we pride ourselves in being specialists in providing insurance for the construction industry. With past experience working in this arena our professional staff has insurance company backgrounds with more than 15 years' experience of underwriting commercial/contractor risks.

Since our beginning, we have had one steady goal in mind; providing outstanding service to our customers. With the use of the internet we are able to deliver unmatched turnaround time on quotes and policy issuance. By utilizing the latest in technology we achieve what few other organizations have: immediate turnaround, unbeatable service, and great value for our clients.

Trades:

  • Air Conditioning - Service only, no installation
  • Appliance Installation Comm - No residential, apartment. No cutting, slicing equipment
  • Appliances and Accessories - Installation, servicing and repair of household appliances & accessories. No commercial appliances
  • Carpentry - Commercial Only. Includes commercial tenants improvements & betterments, repair & replacement. NO exterior work on buildings exceeding 3 stories. All roofing work must be subcontracted
  • Carpentry - Handyman -No roofing, foundation repair or new construction. Service & repair work only. Maximum $1,000 per job with license - $500 without license. Colorado $1,000 maximum with or without license
  • Carpentry - Interior - Finish carp, cabinet installation, only. No interior room remodel 
  • Carpentry - Residential Only. Includes structural and non-structural remodeling and repair. Exterior framing as a subcontractor not allowed. No exterior work on buildings exceeding 3 stories. Examples: Kitchen & bathroom remodeling & decking. Work also may include adding square footage such as a second story or room additions. All roofing work must be subcontracted
  • Carpet, Rug, Furniture or Upholstery Cleaning - on customer premises only, no shop exposure
  • Ceiling or Wall Installation - metal, acoustic
  • Communications/Telephone Equipment Installation - wiring,cables & circuits for telephone and communications equip. operating at <50 volts. NO telephone line construction, burglar, fire alarm or emergency systems work
  • Concrete Construction - Buildings & Dwellings. Includes pouring, placing & finishing concrete. NO residential foundation work, no exterior work on buildings exceeding 3 stories, and no pool construction
  • Conduit Construction -installation of communication or electrical encasement. Maximum depth 8 feet
  • Debris Removal - No roof tear-off, soft demo or janitorial work
  • Door/Millwork Installation - No window work
  • Drilling - Water - Private water drilling with limited agricultural exposure. No water quality testing or municipal work
  • Driveway, Parking Area or Sidewalk -Includes pouring, placing & finishing of above-grade concrete flatwork, asphalt or paver installation. No street or road work. No grading or excavation other than incidental to paving
  • Drywall or Wallboard Installation - Residential service, repair or remodeling only. No New Residential work. New commercial OK. No insulation work
  • Electrical Work within Buildings - No power line construction or pole work. No burglar or fire alarm system, electrical machinery or auxiliary apparatus work
  • Excavation -Maximum depth 8 feet. No street and road, agricultural or building demo other than outbuildings
  • Fence Erection Contractors - No child-safety or electrically charged fencing. Incidental automated gates acceptable. No manufacture of metal fences--erection only with no other welding exposure
  • Floor Covering Installation - No dealers. Installation of carpeting, laminate and hardwood flooring. -- Ceramic tile, stone, marble or terrazzo work should be separately classified
  • Grading -No street and road or agriculture work. Snow removal ok with no public street, road or highway work (driveways and parking lots ok)
  • Heating and Air Conditioning Systems - No refrigeration, Cold Storage, or liquefied petroleum gas (LPG) equipment sales or work
  • House Furnishing Installation - Residential Only. Includes installation of pictures, mirrors, window treatments and closet organizers. No furniture repair or moving services. For residential appliance installation see 91155
  • Janitorial - COMMERCIAL OFFICES ONLY - No residential exposures, model homes, retail work or sales of chemicals or cleaning supplies
  • Landscape Maintenance & Gardening - Basic landscape/lawn care service-mowing, mulching, planting, over-the-counter fertilizer/weed control--NO pesticides, tree trim/removal. Decks, decorative retaining walls, fountain, pond or cement work (other than mow strips) should be separately rated
  • Masonry - Includes cutting & laying of bricks, block, stone and other unit masonry or clay product and mortar work- NO exterior work on buildings exceeding 3 stories, chimney or cast-in-place concrete work
  • Metal Erection - Decorative - Interior work only, non-structural, office partions or work stations
  • Painting Exterior - Buildings & appurtenant structures only, incl. walkways/fences, surface prep & faux/texture painting. NO waterproofing, exterior work on buildings exceeding 3 stories or roof painting. No work on tanks, street and road or bridges
  • Painting Interior - no exterior, no waterproofing
  • Paperhanging - Includes surface preparation, covering walls and ceilings with wallpaper, fabric, vinyl or other wall coverings
  • Plastering or Stucco Work - COMMERCIAL WORK ONLY.
  • Plumbing Commercial - No fire sprinklers, liquefied petroleum gas (LPG), septic tank, excavation, swimming pools, process piping, public utilities, hospitals or industrial work, or steam/boiler work. Water softener installation, okay to break concrete & repair to install pipes, lay sewer line/pipe drain and use ditch witch for underground lines (apartments allowed). Lawn sprinklers installation ok. Only 100% Service/Repair and/or Commercial risks permitted in this class. Not Available in CA
  • Plumbing Residential - NO New Residential work allowed. Water softener installation, okay to break concrete & repair to install pipes, lay sewer line/pipe drain and use ditch witch for underground lines. Lawn sprinklers installation ok. Only 100% Service/Repair and/or Commercial risks permitted in this class. Not Available in CA
  • Prefabricated Building Erection - Intended for light , non-habitational service or outbuildings. No commercial retail usage
  • Refrigeration Equipment - Installation, service and repair of commercial refrigeration systems. No Wholesale cold storage, liquefied petroleum gas (LPG) equipment sales or work
  • Satellite Dish Installation - Service or repair - No work on buildings exceeding 3 stories in height
  • Septic Tank Cleaning - No RV work. No work below 8 feet
  • Septic Tank Installation -No RV, blasting or work below 8 feet
  • Sewer Mains Construction - No work below 8 feet. No blasting
  • Siding and Gutter - Installation includes soffit/fascia and decorative shutters. No spray on siding/roofing/roof flashings or work on buildings exceeding 3 stories. Only 100% Service/Repair and/or Commercial risks permitted in this class
  • Sign Painting - No sign erection or work over 2 stories
  • Tile, Stone, Marble, Mosaic or Terrazzo Work -Installation and repair of these materials to floors, walls or counter-tops. NO swimming pool work or roofing operations
  • Water Mains Construction -No work below 8 feet. No blasting