The product facts behind the view.
- Paragon’s Small Commercial page describes an exclusive general liability program for contractors. [1]
- The stated appetite includes fully subcontracted operations and new residential work. [1]
- Published features include blanket additional insured, primary and noncontributory wording and waiver of subrogation. [1]
- The page describes availability in more than 35 states, without listing every eligible state on the cited page. [1]
This is an individual program of Paragon Insurance Holdings. Review its own product scope separately from the other offerings.
Questions to resolve before binding.
Use these illustrative scenarios to review a proposal. They are questions to ask, not statements that a loss is covered.
A general contractor has no direct construction payroll
What does it supervise or assume by contract, and how are subcontractors insured? Review the work definition and risk-transfer requirements.
A client begins a larger residential development
Does the project still fit current underwriting appetite? Describe unit counts, contracts and state before assuming the existing policy extends.
An owner requires a particular additional-insured edition
Does the proposed wording satisfy it for ongoing and completed operations? Compare the actual forms before binding.
A better submission starts here.
Published requirements and notices
The sources reviewed do not establish a complete required submission packet for this product. Confirm the current application and required documents for the account.
Hedge’s preparation guidance for this placement:
- Describe the contractor’s work, new residential versus remodeling mix, number and size of projects, and states of operation.
- Provide subcontractor agreements, certificates and insurance requirements, including the fully subcontracted portion of receipts.
- Include losses, requested limits and the exact additional-insured, primary/noncontributory and waiver requirements.
Include the named insured, locations, requested lines and limits, effective date, existing applications and available loss information. Start with what you have; we can identify what is missing.
Legal entities and underwriting.
The market name, licensed producer and insurance company can be different entities. These are the names and roles identified in the cited disclosures.
Paragon Insurance Holdings, LLC [2]
Program administrator
Paragon’s page separates this exclusive contractor underwriting program from its broader wholesale offerings. It does not name a specific legal insurer for this program; confirm issuer, forms and state availability on the quotation. [1]
Registration and license details identify an entity and its role. They do not by themselves establish that a particular product, state, limit or account is eligible.
The practical questions.
How do I get a quote with Paragon Exclusive Contractors GL?
Choose “Get a quote with Paragon Exclusive Contractors GL” and tell us about your client. Hedge carries your market selection into the submission, helps complete the account and works on the available terms. You can review the proposal before making a coverage decision.
Does this profile confirm my account is eligible?
The published specialties are a starting point. State, business activity, loss history, requested coverage, limits and effective date can change eligibility. The sources used here do not provide a complete state-by-product matrix. The actual proposal and policy forms determine coverage.
Is this an independent rating of Paragon Exclusive Contractors GL?
No. Hedge is an insurance intermediary and has a commercial interest in helping agents place business. Our commentary explains the placement questions we draw from the cited material. It does not report a customer satisfaction score, firsthand claims experience or an endorsement by Paragon Exclusive Contractors GL.
Read what we read.
Product facts were checked against the official material below on November 1, 2026. Our commentary is identified as Hedge’s analysis. Market websites and underwriting terms can change.
- Paragon Exclusive Contractors GL official product information ↗Checked November 1, 2026
- Paragon Insurance Holdings operating identity ↗Checked November 1, 2026
Published by Hedge Specialty. Send a correction if a product or program has changed.
What stands out, and why it matters.
A fully subcontracted contractor still needs a detailed operations story.
The program explicitly identifies 100% subcontracted work in its appetite. [1]
Explain selection and supervision of subcontractors, contract terms and insurance controls. The absence of direct labor does not describe the client’s contractual duties or completed-work exposure.
New residential work is a distinct appetite feature.
Paragon lists new residential work within the program’s stated appetite. [1]
Provide project types, locations, size and volume, and separate custom homes from any larger developments. Ask how the proposal defines and limits residential work rather than treating the broad statement as universal acceptance.
Contractual endorsements should be matched to the actual requirement.
The page lists blanket additional insured, primary and noncontributory wording and waiver of subrogation. [1]
Send the insurance specifications and compare them with the quoted forms. Check ongoing and completed operations, who qualifies and whether any contract wording goes beyond the available endorsement.