Risks Insured
Contractors, including general contractors and subcontractors.
 

Program Highlights
Residential and Commercial Contractors are eligible. There are no restrictions on tract homes or tract size. There is no restriction on the amount of work sub-contracted.   A wrap-up plan is available for condominium and town home projects.
 

Coverage
Commercial General Liability including Products and Completed Operations.   Each Company issues a specific proprietary General Liability coverage form.   ISO forms are not used.
 

Program Features
Limits: Up to $2 million per occurrence/$2 million general aggregate/$2 million products & completed operations aggregate may be available
Deductible: As low as $500 per claim may be available
Minimum Premium: As low as $1000 may be available
Minimum Earned Premium: 25%
Rating Basis: Receipts
Maximum Policy Term: One year
 
 

Application
Depending on the carrier; to bind we must have a signed company application and supplemental company application.
 

Ineligible Risks
Airport Contractors
Blasting Operations
Contract Laborers
Dam or Levee Construction
Earthquake Retrofit Contractors
Exterminators/Fumigators
Explosives Contractors
Oil Lease Contractors
Scaffolding or Scaffolding Erection
Traffic Signal Installation or Repair
Tunneling
 

Key Exclusions
Montrose
Condo & Townhouses
Asbestos, Mold, Lead and Formaldehyde
Action-Over
Punitive Damages
Subsidence
E.I.F.S. (synthetic stucco, etc.)
Projects completed prior to the policy inception date are not covered.