FAQ
At Pascal Burke Insurance Brokerage, we’re former contractors who understand construction from the ground up. Here you’ll find clear and practical answers.
All General Liability policies we offer are written on an occurrence form, typically utilizing ISO policy language.
Yes. We offer both admitted and non-admitted options. All carriers we work with are A-rated by A.M. Best.
Yes. During underwriting, carriers may provide credits for insured subcontractors. If subcontractors do not maintain adequate coverage, the credit may be reduced or removed and additional premium may apply at audit.
A resume is required for all new ventures with less than two years in business.
Any material changes must be reviewed by underwriting and may require a revised submission or additional documentation prior to binding.
Please contact your underwriter for assistance in identifying the appropriate class code.
Telephonic inspections help ensure accurate records, protect policy integrity, and are a carrier requirement.
Premiums are based on estimated gross receipts, subcontracted costs, and payroll provided at policy inception. An audit is conducted after the policy term to confirm actual figures and ensure the premium accurately reflects the insured’s exposure.