General Liability Insurance

Victory Contractor Program

Program Description


The Victory® Admitted Contractor Program provides general liability coverage for Artisan/trade contractors for both commercial and residential work. It is designed to meet the needs of  small artisan contractors conducting business within the trades and construction industry. Credit available for the service, repair & replacement ONLY risks. See the eligible classes for list of construction & service contractors we can insure. Contractors are also limited by their size. The maximum allowable exposures are receipts of $1,500,000 or less and payroll up to $500,000.

Program Highlights

  • Occurrence Form
  • Payroll based rating
  • New Ventures Accepted
  • Financing Available
  • Up to $1,500,000 in Gross Receipts Accepted
  • Coverage for up to $500,000 in Payroll ( Includes clean up workers, tradesmen, casual laborers, leased employees, and labor pool personnel.)
  • Maximum Limits$1,000,000 Per Occurrence $2,000,0000 General Aggregate $2,000,000 Products/Completed Operations Aggregate

Acceptable Classes of Business

The Victory® Admitted Contractor Program provides general liability coverage for Artisan/trade contractors for both commercial and residential work. It is designed to meet the needs of small artisan contractors conducting business within the trades and construction industry

Ineligible Risks

  • Risks with less than two years experience in the applicants trade.
  • Risks with operations not specifically listed on program classification & rate schedule.
  • Contractors acting in the capacity of a general contractor on new construction, as a builder, project manager or developer.
  • Risks which engage in Maritime operations. . Risks which sponsor sporting or social events.
  • Risks engaging in the renting or leasing of equipment to others.
  • Risks engaging in the selling or manufacturing of products sold under the applicant's name.
  • New residential construction of condominiums; townhouses; or "tract housing developments" in which more than 10 houses or dwelling units have been built or are in any stage of development, planning, or construction.
  • Construction management for a fee.
  • Exterior work exceeding three (3) stories in height.
  • Public street, road or highway work.
  • Power line construction, burglar or fire alarm system, electrical machinery or auxiliary apparatus work. (Residential alarm pre-wiring ok with no hook up or monitoring)
  • Liquefied petroleum gas (LPG) equipment sales or work. (incidental work ok).
  • Spraying, tree trimming, tree removal or tree pruning.
  • Painting of tanks.
  • Fire sprinkler installation or service.
  • No sign erection. No sign painting over 2 stories.
  • Swimming pool installation, service or repair.
  • Removal of any asbestos.
  • Roofers
  • Risks with OCP (subcontractor) costs greater than $200,000 or more than 50% of annual gross receipts.
  • Risks with (in the last 4 years) more than $20,000 incurred losses (including expenses) or more than 2 claims. Construction defect claims please refer to Underwriter.
  • Risks involved in water damage, fire damage, or mold damage repair or remediation as the General Contractor.