Effective Date: June 25, 2026
Company: Contractors Mark
Licensure: TX LIC: #1818384 | AZ LIC: #3001505016 | CA LIC: #0I32315
Jurisdiction: Multi-State Commercial Operations (Texas, Arizona, California, and Nationwide Authorized Footprint)
Governing Law: State of Texas (Primary Administrative Corporate Base) / Statutory Jurisdictional Rules of Insured Risk
1. Scope of Independent Brokerage, Risk Placement & Financial Advisory Services
Contractors Mark operates as an independent commercial lines insurance agency specializing in placement, risk mitigation, policy assembly, and surety bonds for construction firms, artisan tradesmen, and general contractors.
- No Coverage Bound Implied via Electronic Media: Informational summaries, coverage outlines, quote estimators, or market placement reviews presented via https://contractorsmark.com/ or discussed through corporate channels at (833) 452-5001 do not constitute an active insurance binder, a modification of coverage, or an immediate assumption of financial risk by Contractors Mark. Insurance coverage is strictly bound and activated only upon formal underwriting clearance from an authorized carrier, full receipt of mandatory down-payments/premiums, and explicit, written generation of a binder or policy document.
- Independent Carrier Underwriting Autonomy: Contractors Mark functions as an intermediary broker pairing construction accounts with third-party admitted and non-admitted commercial insurance companies. All final premium ratings, policy endorsements, coverage exclusions, regulatory audit parameters, and claims definitions are governed entirely by the master policy forms issued by the specific underwriting carrier and not by this agency.
- Client Disclosure Requirements: Utilizing our consultative approach requires full corporate transparent asset declarations. The insured contracting business assumes absolute legal and financial liability for the comprehensive accuracy of all declared metrics—including annual payroll, gross revenues, subcontractor exposure counts, historical loss records, and vehicle counts. Fraudulent misrepresentation or clerical omission of exposure vectors can prompt carrier rescission of coverage, audit premium adjust penalties, or immediate denial of active claims.
2. SMS & Mobile Messaging Consent
By submitting an online insurance quote form, transferring active policy data, or contacting our agency desk via info@contractorsmark.com, you enter our direct automated commercial communication network and provide explicit consent to receive SMS communications from Contractors Mark for:
- Certificate of Insurance (COI) Logistics: Real-time processing updates, instant digital delivery links for active job-site clearances, and critical renewal/expiration tracking notifications.
- Claims Handling Coordination: Direct communication regarding active commercial liability, auto, or workers' compensation claims adjustments, litigation update notifications, and physical asset damage documentation requests.
- Account Administration & Renewal Auditing: Timely updates regarding standard carrier payroll audits, policy renewal dates, payment deadline reminders, and scheduling links to interface with your assigned agent.
- Opt-Out Control: You retain absolute authority to terminate commercial mobile alerts at any time by replying STOP. Standard message and data rates apply.
3. Regulatory Licensing & Professional Industry Compliance
Contractors Mark operates in strict alignment with the Texas Department of Insurance (TDI), the Arizona Department of Insurance and Financial Institutions (DIFI), and the California Department of Insurance (CDI) under our verified active corporate licenses. Our consultative risk assessments are designed to guide your business through evolving jurisdictional statutory requirements, state-mandated workers' compensation structures, and municipal construction compliance codes.
4. Third-Party Financial Underwriting & Surety Bounds
Surety vehicles—including commercial license bonds, municipal performance bonds, bid bonds, and payment bonds—require distinct capital, financial strength, and credit evaluations. Contractors Mark provides specialized placement support with national surety pools, but the final determination to underwrite or execute an infrastructure bond relies entirely on the capital criteria of the third-party issuing surety company.
5. Limitation of Liability
To the maximum extent permitted under statutory insurance regulations across our licensed jurisdictions, the aggregate civil liability of Contractors Mark for any professional error, clerical omission, coverage consultation discrepancy, or delayed delivery of documentation shall be strictly limited to the actual aggregate brokerage commissions or professional consulting fees received by this agency for the specific underlying policy line in question during the current term. Contractors Mark assumes no financial liability for lost business revenue, municipal bid disqualifications, unliquidated third-party property damage, or contractual penalties stemming from third-party carrier claim decisions or exclusions.