General Contractor and Artisan Contractor Program

OVERVIEW AND FOCUS:

This General Liability program is focused on small to medium General and Artisan contractors with less than $1,000,000 annual payroll. Small to medium-size General Contractors, Artisan Contractors 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.

PROGRAM HIGHLIGHTS:

  • Rated AXV by AM Best
  • Minimum Premium starting at $2,500
  • New Ventures Acceptable
  • No Prior OK
  • Paper General Contractors OK
  • 100% Sub out OK
  • Construction Managers OK
  • Tract Work OK with Underwriting Approval
  • Most new construction on residential and commercial projects, including custom and spec homes
  • Apartments OK
  • Roofers OK
  • Restoration work OK
  • EIFS coverage available with Underwriters Approval
  • Blanket A/I, Primary, Waiver and Per Project Available
  • Subsidence Coverage available subject to Underwriter Approval
  • Accounts with Prior Claims will be considered with an explanation

COMMISSION:

10%

COVERAGES AVAILABLE:

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

On-Going and Completed Operations Additional Insured Endorsements Available

MAXIMUM COVERAGE LIMITS:

  • $2,000,000 General Aggregate
  • $2,000,000 Products Aggregate
  • $1,000,000 Per Occurrence
  • $1,000,000 Personal/Advertising injury
  • $1,000,000 Employee Benefits Liability
  • $100,000 Fire Damage Legal liability
  • $5,000 Medical Payment Expense

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 or conversion of condominiums or townhomes unless approved by the carrier
  • Risks with exposure to process piping, blasting, landfills, tunneling, “emergency systems and other Similar extra hazardous exposures.
  • Bridge or Airport related construction
  • Swimming pool contractors
  • Fire suppression contractors
  • Crane Operators
  • Any structures/work greater than 3 stories (exceptions on approval only)
  • Risks with exposure to process blasting, landfills, tunneling, “emergency systems,” public utilities, and other similar extra hazardous exposures

STATES:

AK, AL, AZ, CA, CO, CT, FL, GA, IL, KY, LA, MN, MO, MS,
NC, NJ, NM, NV, NY, PA, SC, TN, TX, UT, VA, WI, WV

SUBMISSION REQUIREMENTS:

  • ACORD 125 and 126
  • Currently valued loss runs – 3 to 5 years
  • Contractor Supplemental

UPLOAD & SEND SUBMISSION

 

© 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.