ArborMAX Insurance Program Package Eligibility Guidelines 1. Company must be in business at least three years. New ventures may be considered if owner has at least five years experience in the tree care industry. The new owner will have to provide a resume that lists prior work experience and education. 2. Company must be a member of a Green Industry Association such as TCIA, ISA or a regional association OR have a written safety program in effect. 3. Company must have at least 15% of their payroll/receipts in tree care operations (class code 99777). The balance of payroll can be landscape gardening (97047). 4. Ancillary operations (Ex: Snow Plowing) can not exceed 15% of the overall operations. 5. The following GL class codes are eligible for the program: 99777 Tree Pruning, Dusting, Spraying, Repairing, Trimming, Fumigating 97047 Landscape Gardening 91585 Contractors Subcontracted Work 91590 Contractors Permanent Yards 94007 Excavation 95410 Grading of Land 99303 Street Cleaning (snow plowing) 97050 Lawn Maintenance 98483 Plumbing (irrigation systems) 58503 Pulp Manufacturing (mulch operations) 61217 Buildings & Premises LRO 63010 Dwellings One Family LRO 49451 Vacant Land 15699 Nursery Garden 6. Minimum Premium is $2,500 per account.
Package Submission Requirements 1. Signed (by agent & insured) Acord Applications for all lines of business submitted. Application should include a list of all drivers with license numbers and dates of birth. 2. Signed ArborMAX Supplemental Application. 3. Three years plus current year loss runs for all lines of business submitted. Include a brief description of any loss over $25,000. All loss runs must be valued within the past 90 days. 4. MVRs for all drivers including family members that have access to the insured s vehicles. Workers Compensation Eligibility Guidelines 1. Company must be a TCIA member company. 2. Company must be a TCIA Accredited Member Company OR have a TCIA Certified Treecare Safety Professional on staff. 3. Experience Modification must not exceed 1.10 4. Minimum premium is $15,000 Workers Compensation Submission Requirements 1. Acord Application 2. Premiums and payrolls for the past five years. 3. Current WC Experience Modification Worksheet 4. Currently valued loss runs for four years plus the current year. Send all submissions to Mike Rook at mrook@gasinsurance.net
Coverages All forms will be ISO based with the exception of the Professional Services Workmanship Error form. General Liability Mandatory $1,000 Property Damage deductible per occurrence on all policies. Coverage Forms included on all policies: GL 00 01 12 07 Commercial General Liability Coverage Form 25 03 03 97 Designated Construction Project General Aggregate Limit 22 64 08 98 Pesticide or Herbicide Applicator Coverage 20 10 07 04 Blanket Additional Insured Ongoing Operations 20 34 07 04 Additional Insured-Lessor of Leased Equipment 20 37 07 04 Blanket Additional Insured Completed Operations 24 04 10 93 Waiver of Transfer of Rights of Recovery 20 34 07 04 Additional Insured Lessor of Leased Equipment 50 20 02 09 Arborist & Landscape Professional Services Optional Forms 04 35 12 07 Employee Benefits Liability 00 09 12 07 Owners & Contractors Protective 25 04 03 97 Designated Location(s) General Aggregate Limit 00 40 12 04 Pollution Liability Limited Coverage Form Designated Sites Automobile Coverage Forms included on all policies: 00 01 03 06 Business Auto Coverage Form 21 54 03 06 Uninsured Motorists Coverage BI 21 55 03 06 Uninsured Motorists Coverage PD 20 48 02 99 Designated Insured Auto Liability - Symbol 1 Physical Damage Symbol 7
Optional Coverage Forms: 99 48 09 02 Pollution Liability Broadened Coverage 99 10 10 01 Drive Other Car 99 23 12 93 Rental Reimbursement Coverage 99 39 09 94 Full Glass Coverage (if available in state) Physical Damage deductibles: PPT, Light, & Medium vehicles Heavy & Extra Heavy vehicles $500 Comprehensive $500 Collision $1,000 Comprehensive $1,000 Collision Property $1,000 minimum deductible on all policies Coverage Forms CP 10 30 04 02 Causes of Loss Special Form CP 00 10 04 02 Building & Personal Property Coverage Form CP 00 50 04 02 Extra Expense Coverage Form CP 00 30 04 02 Business Income Coverage Form CP 55 04 12 08 SPARTA Enhancement Endorsement (if filing has been approved by the state) Blanket Limits, Replacement Cost, and Agreed Value are also available. Inland Marine Coverage s available include; Contractors Equipment Rented/Leased Equipment Rental Reimbursement Electronic Data Processing Installation Coverage Unscheduled/Miscellaneous Equipment Replacement Cost is available for equipment less than five years old.
Payment Plans 1. Full Payment for accounts generating less than $5,000 in premium 2. 25% down & 3 equal quarterly installments 3. 15% down & 9 equal monthly installments All accounts are direct billed to the client Claim Information Claims will be handled by Avizent. Insured s can report ArborMAX claims directly to1-866-524-8708. A claims kit will be mailed to each insured upon binding a policy with ArbroMAX.