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.
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
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© 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.
