Artisan Contractors General Liability Contractors Equipment Program

Transcription

1 Artisan Contractors General Liability Contractors Program Available in AR, AZ, CA, CO, ID, IL, KS, MA, MI, MN, NC, NM, NV, OH, OK, OR, PA, SC, TX, UT, WA, WI Navigators Artisan Contractors General Liability & Contractors Program To qualify for this program the contractor must have two years experience! Over 50 Eligible Classifications Available $ Minimum Premium AIX Rated Admitted Carrier Broker Fees Apply Get your own online indication on our website at If the likes the price you can fill out the online artisan contractors form and we will give you a firm quote.

2 Air Conditioning Appliance Commercial Appliance Household (residential) Air conditioning Appliance Commercial No residential, apartment work ok. No cutting, slicing equipment. Appliances and Accessories, service and repair of household appliances & accessories. No commercial appliances. Carpentry Residential Carpentry Residential Only. Includes non-structural remodeling & repair. All roofing work must be subcontracted. Framing work only not allowed. No exterior work on buildings exceeding 3 stories. Examples: Kitchen & bathroom remodeling & decking. Carpentry Interior Carpentry NOC Carpentry Handyman Carpentry Residential Structural Remodel Carpet-Upholstery Cleaning Ceiling / Wall metal Communication Concrete Construction Conduit Construction Cable/wire Interior Finish carpentry, includes woodwork, trim, counter top (no tile), wooden doors, cabinet installation, and shelving. No General Contracting, interior room remodel or framing work only. Carpentry Commercial Only. Includes commercial tenants improvements & betterments, repair & replacement. ALL roofing work must be subcontracted. NO exterior work on buildings exceeding 3 stories. Handyman No roofing, foundation repair or new construction. Service & repair work only. Maximum $1,000 per job w/license - $500 w/o license. Structural Remodel Maximum $500,000 Gross Receipts. Work includes adding square footage such as second story or room additions. All Roofing work must be subcontracted. NO exterior work on buildings exceeding 3 stories. Service & Repair Carpet, Rug, Furniture or Upholstery Cleaning on customer premises only, no shop exposure. Only 100% Service/Repair and/or Commercial risks permitted in this class. Ceiling or Wall metal, acoustic Telephone wiring, cables & circuits for telephone and communications equipment operating at <50 VOLTS. NO telephone line construction, burglar, fire alarm/emergency systems work. Concrete Construction Includes pouring, placing & finishing concrete. Patios, pads, walkways, mow strips, driveways ok. NO foundations or exterior work on buildings exceeding 3 stores, no pool construction, no public street, road or highway work. Incidental commercial foundations allowed (up to 15% of annual receipts). Conduit Construction of communication or electrical encasement. Max. depth 8 feet. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.

3 ~ Continued ~ Debris Removal construction site Door / Millwork Metal Drilling Water Driveway / Sidewalk Paving Drywall Electrical within buildings Excavation Fence Erection Debris Removal No roof tear-off, soft demo or janitorial work. Door/Millwork No window work. (Service and repair of garage doors ok) Drilling Water Private water drilling with limited agricultural exposure. No water quality testing or municipal work. Service & Repair Driveway, Parking Area or Sidewalk Includes asphalt or paver installation, parking lots, private roads &commercial or residential driveways or sidewalks. No Public street, road or highway work. No grading or excavation other than incidental to paving (use those specific classes if not incidental). Drywall or Wallboard Residential service and repair only. New commercial OK. No insulation work. Electrical Work within Buildings no exposure outside of building including power line construction or pole work. No burglar or fire alarm system, generator, electrical machinery or auxiliary apparatus work. No work over 480 volts. Incidental residential landscape work is OK (up to 15% of annual receipts). Excavation Max depth 12 ft. No Public street, road, highway, agricultural or building demolition other than outbuildings. Service & Repair and/or Commercial Only Premium Credit NOT available for this class. Fence Erection Contractors No child-safety or electrically charged fencing. Incidental automated gates acceptable. No manufacture of metal fences erection only with no other welding exposure. Floor Covering no tile Grading Heat / AC no LPG Floor Covering No dealers. of carpeting, laminate and hardwood flooring. Ceramic tile, stone, marble or terrazzo work should be separately classified as Tile. Grading No Public street, road, highway or agriculture work. Service & Repair and/or Commercial Only Premium Credit NOT available for this class. Heating and Air Conditioning Systems No refrigeration or cold storage work. Incidental LPG work OK (up to 5% of annual receipts).

4 ~ Continued ~ Household Furnishings House Furnishings - Includes installation of pictures, mirrors, window treatments and closet organizers. No furniture repair or moving services. Janitorial - Commercial Janitorial - COMMERCIAL OFFICES ONLY No residential exposures, model homes, retail work or sales of chemicals or cleaning supplies. Only 100% Service/. Repair and/or Commercial risks permitted in this class. Landscape - Gardening Landscape Maintenance & Gardening Basic landscape/lawn care servicemowing &/or installation. Over-the-counter fertilizer/weed control or sprinkler installation ok. NO pesticides. Decks (use 91340), decorative retaining walls (use 97447), fountain, pond or cement work other than mow strips (use ). Masonry Metal Erection Decorative Paint Exterior (Under 3 stories) Paint Interior Paperhanging Plaster / Stucco Prefabricated Building Erection Masonry Includes cutting & laying of bricks, block, stone and other unit masonry or clay product and mortar work. Retaining walls over 6 feet not allowed BUT perimeter wall over 6 feet ok. No street, road or highway walls or work. NO exterior work on buildings exceeding 3 stories, chimney or cast-in-place concrete work. Metal Erection Decorative Interior work only, non-structural, office partitions or workstations. Service& Repair and/or Commercial Only Premium Credit NOT available for this class. Painting Exterior Buildings and appurtenant structures only, including walkways/fences, surface preparation and faux/texture painting. NPO waterproofing, exterior work on buildings exceeding 3 stories or roof painting. No work on tanks, street and road or bridges. Paint Interior- Bathtub Refinishing ok. No exterior/no waterproofing. Paperhanging Includes surface preparation, covering walls and ceilings with wallpaper, fabric vinyl or other wall coverings. Plaster or Stucco Work COMMERCIAL WORK ONLY. No residential. Excludes Exterior insulation and Finish Systems (EIFS) work and exterior work on buildings exceeding 3 stories in height. Service & Repair and/or Commercial Only Premium Credit NOT available for this class. Prefabricated Building Erection Intended for light, non-habitational service or outbuildings. No commercial retail usage. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.

5 ~ Continued ~ Refrigeration Service Siding and Gutter Sign Painting Satellite Dish Septic Tank Cleaning Septic Tank Sewer Mains Construction Tile / Stone Water Mains Construction Water Softening Refrigeration, service and repair of commercial refrigeration systems. No wholesale cold storage work or Freon, manufacturing or processing work. Incidental LPG work ok (up to 15% of annual receipts. Siding and Gutter includes soffit/fascia and decorative shutters. No spray on siding/roofing/roof flashings or work on buildings exceeding 3 stories. Only 100% Service/Repair and/or Commercial risks permitted in this class. Sign Painting No sign erection or work over 2 stories. Only 100% Service/Repair and/or Commercial risks permitted in this class. Satellite Dish Service or repair No work on buildings exceeding 3 stories in height. Septic Tank Cleaning No RV, blasting or work below 12 feet. Some restaurant grease trap work ok. Service & Repair and/or Commercial Only Premium Credit NOT available for this class. Septic Tank No RV, blasting or work below 12 feet. Service & Repair Sewer Mains Construction No work below 12 feet. No blasting. Service & Repair Tile, Stone, Marble, Mosaic or Terrazzo Work and repair of these materials to floors, walls or counter-tops. NO swimming pool work or roofing operations. Tile, Stone, Marble, Mosaic or Terrazzo Work and repair of these materials to floors, walls or counter-tops. NO swimming pool work or roofing operations Water Mains Construction No work below 12 feet. No blasting. Service & Repair Servicing and repair.

6 Eligible Contractors Inland Marine Risks Navigators Program Coverage Type Office Contents Misc. Tools & Small Computer Systems Hardware Computer Systems Data & Media Description of Coverage Valuation Co- Insurance This coverage applies to miscellaneous office contents and equipment, furniture and fixtures usual and incidental to the applicant s business, the applicant s property or the property of others for which the applicant is legally liable. Earthquake and Flood are excluded. This coverage is intended to cover hand and power tools such as laser beams, transits, surveyor's instruments, walkie-talkies, radios, cell phones and similar items. The maximum value of any one tool is $1,500. This coverage applies to the applicant's programmable electronic equipment that is used to store, retrieve and process data and other associated equipment such as printers. This coverage applies to data stored on media and programming records used for electronic data processing or electronically controlled equipment. Media includes such items as software, films, tapes, discs, drums or cells. Actual Cash Value Max Limits Available Theft Information All Other Perils 90% $2,000,000 $2,500 $1,000 80% $2,000,000 all contractors equipment (total values) 90% $50,000 total values with a $5,000 maximum for extra expense 90% $50,000 total values with a $5,000 maximum for extra expense $2,500 1% of the amount of insurance on the item(s) lost or damaged but not less than $500. $1,500 $500 $1,500 $500

7 Eligible Contractors Inland Marine Risks ~ Continued~ Coverage Type Computer Systems Extra Expense Scheduled Light and Medium Scheduled Heavy Floater Rented Leased Description of Coverage Valuation Co- Insurance This coverage is intended to cover those extra expenses required to avoid or minimize the suspension of business and to continue business operations. This coverage is intended to cover equipment such as tractors, fork lifts, compressors, portable generators, scaffolding, portable welders, portable concrete mixers, light plants, job site trailers and those small tools valued more than $1,500. Items will be specifically listed and scheduled on the policy. This coverage is intended to cover equipment such as loaders, bulldozers, graders, scrapers, and power shovels. used in asphalt plants, demolition, dredging, farming, logging, mining, oil field, landfill, roofing, scrap yards or cranes, booms, material handling conveyer equipment are types of equipment that are not eligible for coverage. This coverage applies to materials and supplies intended for installation, while in transit and at the job sites or at a premises owned or leased by the if the material is designated for installation at a specific job site. This coverage applies to equipment rented or leased from others. The lease or rental term on the equipment cannot exceed 12 consecutive months. Actual Cash Value Actual Cash Value Actual Cash Value Max Limits Available Theft 90% $5,000 $1,500. $ % $2,000,000 all contractors equipment (total values) 80% $2,000,000 all contractors equipment (total values) Information All Other Perils $2,500 1% of the amount of insurance on the item(s) lost or damaged but not less than $500. $2,500 1% of the amount of insurance on the item(s) lost or damaged but not less than $ % $500,000 $2,500 $1,000 80% $500,000 $2,500 1% of the amount of insurance on the item(s) lost or damaged but not less than $500. Ineligible Risks: Woodworkers, cabinet makers, any operation with wood cutting or sawing, bridge building, demolition, mining, dredging, oil field, scrap yards, warehousing.