WRAPs, DirtPac and Snow Removal

Today's restrictive General Liability Insurance climate requires creativity when working with new construction developments. WestPac has the knowledge and experience to quote a WRAP for any construction project and would love to assist Independent Agents with their construction Developers/GC's.

Program Highlights

Our carriers are recognized as industry leaders nationally
Residential and Commercial Projects Accepted Including Condominiums, Townhomes, "Tract" Homes, Single Family Custom Homes, Apartments, Commercial Retail/Office, Storage Facilities, Infrastructure, and Energy Projects
Multi-family projects are highly desired - most subcontractors have multi-family exclusions
Low minimum premiums
Various deductible/SIR options available
12 to 48 month policy terms - options for the policy to respond to project "phases"
Rolling WRAP programs available
Integrated risk management partners for third party administration and QA/QC services
Pollution WRAP policies, Builder's Risk, and Excess Liability also available

Why Choose a WRAP?

Assured coverage for all subcontractors
One defense representation in the event of a loss
No fault allegations to be determined in the event of a loss
Common goals shared by all subcontractors - cooperative risk management, safety, and quality work
Completed Operations extended to statute of repose
Third Party Administrator services ease troublesome subcontractor contract coordination
Subcontractor premium recovery - Owner/Contractor doesn't need to cover the total premium cost

WESTPAC'S DirtPac PROGRAM

Exclusive Admitted General Liability carrier in select states, including Arizona, Colorado, Kansas & Missouri
Multiple E&S carrier options throughout the Western U.S.
Targeting Excavation, Grading, & Landscaping
Snow Removal capabilities
Admitted and Non-Admitted options
Up to 100% pure snow contractors accepted
Rooftop snow removal accepted
New Ventures / No Priors considered
Subcontracted exposure accepted
Concrete and more work accepted
No tract home limitations with some markets
No Continuous/Progressive or Prior Acts Language
Subsidence/Earth Movement coverage available
AI for Ongoing and Completed Operations, Primary and Noncontributory, Waiver of Subrogation, and Per Project Aggregate available
New Residential, New Commercial, Industrial, Municipal and Oil & Gas accepted
New ventures accepted
Low deductible options available
Minimum Premium as low as $2,500
Additional policy options available for Workers’ Compensation, Inland Marine, Auto, Umbrella and Pollution Liability
Integrated third-party risk management services available