States

AL, AZ, CA, CO, FL, GA, MS, NJ, TX, plus 38 other states

Commissions

  • 10%

Maximum Limits Available

  • $1,000,000 per occurrence
  • $2,000,000 general aggregate
  • $2,000,000 products aggregate

Minimum Deductible

  • $2,500 property damage

Minimum Premium

  • $1,500

Program Highlights

Overview

Insurance and risk management services for small- to medium-size artisan and specialty trade contractors engaged in residential and/or commercial construction. The program is open to contractors that are involved in new construction, remodeling and tenant improvements, including new residential home building.

Market Focus

General Liability program focused on small to medium artisan contractors with less than $1,000,000 annual payroll. Twenty Mile and its admitted and non-admitted carriers are uniquely positioned to provide insurance solutions to this market segment.

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Program Applications


Download Application +

Contractor Classes (Many More Available)

  • General Contractor (New Residential)
  • General Contractor (New Commercial)
  • Remodel Contractor (Residential)
  • Remodel Contractor (Commercial)
  • Air Conditioning System Installation
  • Appliance and Accessories Installation
  • Carpentry (Framing)
  • Carpentry (Interior/Woodwork/Shop)
  • Carpet Cleaning
  • Cleaning (Outside Building)
  • Concrete (Flat)
  • Debris Removal
  • Door & Window Installation
  • Drilling
  • Drywall
  • Electrical
  • Equipment Rental (with operator)
  • Excavation
  • Fencing
  • Floor Covering Installation
  • Garage Door Installation
  • Glass Installation/Glazing
  • Grading
  • Gunnite Pool Plaster
  • Handyman/NOC Labor
  • HVAC
  • Insulation
  • Janitorial
  • Landscape
  • Masonry
  • Metal Erection (Decorative)
  • Metal Erection (Structural)
  • Painting (Interior)
  • Painting (Exterior)
  • Plastering/Stucco
  • Plumbing (Residential)
  • Plumbing (Commercial)
  • Roofing (New Residential)
  • Roofing (New Commercial)
  • Roofing (Residential Repair)
  • Roofing (Commercial Repair)
  • Sandblasting
  • Septic Tank (Service, Repair, Installation)
  • Sewer Mains
  • Sheet Metal
  • Siding and Decking
  • Street/Road Paving (Commercial)
  • Swimming Pool Cleaning
  • Swimming Pool Installation
  • Tile and Marble Installation
  • Tree Trimmer
  • Welding

Eligible Risks

  • New construction on residential & commercial projects, including new single family homes
  • Repair or remodeling of residential & commercial projects
  • 75% or more of the exposure in approved class codes

Ineligible Risks

  • New construction of condominiums, condominiums conversions & townhouses (some exceptions)
  • Any structures/work greater than 3 stories (some exceptions)
  • Risks with exposure to process piping, blasting, landfills, tunneling, “emergency systems,” public utilities, and other similar extra hazardous exposures

Coverages Available

  • Blanket Additional Insured
  • Waiver of Subrogation
  • Primary and Non-Contributory
  • Per Project Aggregate
  • Subsidence (with limitations)
  • Prior Projects (with limitations)

Submission Requirements

  • ACORD Applications
  • Currently valued loss runs – 3 to 5 years
  • Supplemental Application
  • Pollution – Project Specific Application