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.

DOCUMENT SUBMISSION

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Contractors General Liability

Program Applications

Contractor Classes (Many More Available)

General Contractor (New Residential)

Remodel Contractor (Commercial)

Carpentry (Framing)

Cleaning (Outside Building)

Door & Window Installation

Electrical

Fencing

Glass Installation/Glazing

Handyman/NOC Labor

 

 

 

Insulation

Masonry

Painting (Interior)

Plumbing (Residential)

Roofing (New Commercial)

Sandblasting

Sheet Metal

Swimming Pool Cleaning

Tree Trimmer

    General Contractor (New Commercial)
    Air Conditioning System Installation
    Carpentry (Interior/Woodwork/Shop)
    Concrete (Flat)
    Drilling
    Equipment Rental (with operator)
    Floor Covering Installation
    Grading
    HVAC

 

 

Janitorial

Metal Erection (Decorative)

Painting (Exterior)

Plumbing (Commercial)

Roofing (Residential Repair)

Septic Tank (Service, Repair, Installation)

Siding and Decking

Swimming Pool Installation

Welding

Remodel Contractor (Residential)

Appliance and Accessories Installation

Carpet Cleaning

Debris Removal

Drywall

Excavation

Garage Door Installation

Gunnite Pool Plaster

Landscape

 

 

Metal Erection (Structural)

Plastering/Stucco

Roofing (New Residential)

Roofing (Commercial Repair)

Sewer Mains

Street/Road Paving (Commercial)

Tile and Marble Installation

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

Per Project Aggregate

Waiver of Subrogation

Subsidence (with limitations)

    Primary and Non-Contributory
    Prior Projects (with limitations)

Submission Requirements

ACORD Applications

Pollution – Project Specific Application

Currently valued loss runs – 3 to 5 years

Supplemental Application

 

© 2018 Empire Underwriters. The data appearing on this website is provided for                        informational use only and is in no way intended to assert or imply types of relationships                     with any carriers, or the like.