The basic underwriting tenets of Twenty Mile Insurance Services are risk selection and price adequacy. We seek to gain a thorough understanding of the insured’s operations prior to writing the account. We look for accounts that do not expect loss frequency based on the insured’s operations and five-year loss history. Twenty Mile also targets accounts where there is a specialty or expertise developed by the insured over a number of years. Our preference is to work with accounts in which the principal is involved in the everyday operations of the business.

Lines of Business

  • Commercial General Liability, Supported Excess GL, Wrap ups, Project Specific Policies.
  • Non-Admited

Eligible Classes

  • General Contractors & Sub-contractors
  • Commercial & Residential Contractors
  • Condos
  • Tract work

Ineligible Classes

  • Blasting, Window installation/repair, Underpinning, Crane operations, Scaffolding operations, Traffic Lights, Traffic Control, Bridges, Pile driving, Demolition

Minimum Premiums: TX - $2500, All other states - $4000.

Minimum Deductible - $2000

Capacity - Primary of 1/2/2, Excess GL layer of 5/5/5

Competitive Advantages of Twenty Mile

  • Unlimited Tract
  • New Condo construction
  • No size restriction
  • Provide residential AI completed Operations
  • For wraps/project policies, extended completed operations is statute of repose
  • Will consider new ventures
  • No height restriction
  • Silent on subsidence
  • Exclusive Markets
  • Unparalleled underwriting expertise, allowing for creative solutions
  • Claims handling familiar with construction defect type claims.

Availability - All states except NY, HI, and AK