Insurance
The lines we place. Both sides of the job.
Our brokerage places both sides of the job: coverage matched to the bid spec for contractors, and the buildings and projects for owners. Pick a line on the block or from the list below.
Light RFP Risk Management Services LLC · NY DFS License # PC-1978982
The lines we place, and how.
Where a line can be quoted on our platform, one application goes to every insurer there that writes your kind of work. For the rest, our brokerage shops the market for you. Either way, you compare the quotes side by side.
For contractors and trades
Coverage matched to what the RFP requires, with the certificates the job asks for.
- General liability, for contractorsInjury and property damage your work or premises causes others, not redoing your own work
- Workers’ comp, for contractorsMedical bills and part of the lost wages when an employee is hurt on the job
- Commercial auto, for contractorsThe trucks and vans your business runs
- Tools & equipment, for contractorsTools and gear, stolen or damaged, on the truck or the site
- Professional liability, for contractorsClaims that your design or advice cost a client money
- Cyber, for contractorsRecovering from a breach, and the claims that follow
- Umbrella, for contractorsLimits above your liability and auto policies
- Business owner’s policy, for contractorsProperty and liability in one policy, for a smaller business
- Builder’s risk, for contractorsThe work in progress and the materials on site while a project is built
For owners and operators
Insure the buildings you own and the projects you build, across the portfolio.
- General liability, for ownersInjury and property-damage claims from tenants and visitors, like a fall in the lobby
- Professional liability, for ownersRequired of the architects and engineers you hire, or your own if you manage projects for others
- Cyber, for ownersRecovering from a breach, and the claims that follow
- Umbrella, for ownersLimits above your liability and auto policies, often required by lenders and management agreements
- Business owner’s policy, for ownersProperty and liability in one policy, for a smaller business
- Builder’s risk, for ownersThe work in progress and the materials on site while a project is built
- Commercial property, for ownersRepairing the building and replacing what’s inside after a covered loss, like a fire
- Loss of rent, for ownersRent lost while the building is repaired after a covered loss
- Flood, for ownersRising water, which most property policies exclude
This is the shape of the market; your policy’s own terms decide.
How we get you covered.
Tell us what you insure
Contractors: your trade, payroll, revenue and loss history. Owners: the buildings, the policies you carry and when they renew.
We send it to the right insurers
A Light RFP broker reads it and contacts you. Where a line can be quoted on our platform, it goes to the insurers there that write your kind of risk; for the rest, our brokerage goes to market.
Compare the quotes
Limits, deductibles and exclusions side by side, matched to what your contracts, lenders and RFPs require. Applying commits you to nothing.
We put it in force and issue certificates
Our brokerage binds the policy you choose, which puts it in force, and issues the certificates your contracts, lenders and RFPs ask for, naming additional insureds (someone added to your policy, like the owner) where they’re required.
How we’re paid: posting RFPs and bidding on them are free. Light RFP earns a commission from the carrier on all policies.
Insure the crew, the job and the building.
For bids, certificates and the crew. Plan on 10 to 20 minutes for general liability, workers’ comp and auto, with your current policies to hand.
For renewals, the portfolio and projects. Plan on 15 to 45 minutes for one property to five, with your declarations pages to hand.
Rather go through it on a call? Schedule a call, or write to Light RFP’s insurance team: insurance@lightrfp.com