Insured Solutions
Insured Solutions

Commercial Advantage

A Division of Insured Solutions

Commercial Advantage is a division of Insured Solutions that offers a variety of commercial solutions to meet your needs, including general liability and EPLI on a pay-as-you-go basis.

Commercial Advantage PDF

General Liability

  • Artisan Contractors Minimum Premium $500
  • General Contractors Minimum Premium $1,250
  • Limits Up to $1,000,000 Per Occurance / $2,000,000 General Aggregate
  • 15% Down Payment


  • No Upfront Costs or Down Payments
  • $1,000,000 Annual Coverage Limit
  • $2,000,000 Aggregated Amount of Coverage
  • $25,000 Deductible

Workers' Compensation

  • Pay-As-You-Go
  • Innovative Risk Management
  • Exclusive Access to Markets For High-Risk Industries and High Mods
  • Claims Management

Commercial Advantage Carrier and Underwriting Guidelines

Market Regional GL Paygo Program (Rockingham)
Website Click here
Rating A
States Available All States Except AK, HI, IA, LA, NY, VA, WV
Submission Requirements Completed ACORD, No Loss Letter in provided template. If prior coverage is needed, then loss runs must be provided.
Additional Requirements $500 min premium for Artisan contractors, $1250 min premium for GC's.
Appetite GC's (100% sub-contracted work), artisan contractors. Roofing is okay for residential.
General Exclusions No heights over 3 stories, no scaffolding, no trucking, no condo development.
Turnaround 48-36 hours
Market Regional UMB/Excess Paygo Program (McGowan)
Website Click here
Rating A
States Available Nationwide
Submission Requirements Completed ACORD 125 and 131
Additional Requirements Copies of underlying coverage, Underlying carriers must be A- rated or better.
Appetite Trade contractors, public/social services, manufacturers, garage, hospitality, retail, General Contractors, residential construction, educational, harvesting, janitorial, pest control, health clubs, real estate agencies, dairies, laundries, car washes, zoos, veterinarians, foundries, quarries.
General Exclusions All industries not listed above.
Turnaround 3-4 business days