General Liability Insurance

Gold Contractor Program

Program Description

This program is geared for our smaller artisan contractors and remodel contractors with 0 to 5 employees with gross revenue of less than $500,000 annually. Policy includes blanket additional insureds at no extra cost!

Program Highlights

  • Non Rated Company
  • Occurrence Form
  • Payroll based rating
  • New Ventures Accepted
  • Lapses in Coverage Accepted
  • Financing Available
  • Up to $500K in Gross Receipts Accepted
  • Coverage for up to 5 Field Employees or $150K in Payroll
  • Maximum Limits$1,000,000 Per Occurrence $2,000,0000 General Aggregate $2,000,000 Products/Completed Operations Aggregate

Acceptable Classes of Business

  • A/C and Refrigeration
  • Appliance and Accessories
  • Carpentry (Interior/Woodwork/Shop)
  • Concrete (Flat)
  • Debris Removal
  • Door & Window Installation
  • Drywall
  • Electrical
  • Fencing
  • Floor Covering Installation
  • General Contractors (Remodel Only)
  • Garage Door Installation
  • Glass Installation/Glazing
  • Handyman
  • HVAC
  • Janitorial
  • Landscape
  • Masonry
  • Painting Interior/Exterior
  • Remodel Carpentry
  • Sheet Metal
  • Siding and Decking
  • Swimming Pool Cleaning
  • Tile and Marble Installation

Additional Coverage Options / Endorsements Available

  • Blanket Per Project Aggregate
  • Blanket Additional Insured – Completed Operations / CG2037 Equivalent
  • Blanket Your Work – 1185 Equivalent (Commercial Work Only)
  • Blanket Waiver of Subrogation
  • Blanket Primary/Non-Contributory Wording
  • Buildings and Structures Exceeding 3 Stories (Exterior)
  • Schools & Recreation Facilities
  • Heating Devices
  • Hospital Work
  • Additional Insured Endorsements for HOAs

Guidelines

  • Maximum 5 Field Employees
  • $150,000 Maximum Annual Payroll – Owner excluded
  • $500,000 Maximum Annual Gross Sales
  • 50% Maximum Subcontracting Cost
  • No general contractors performing new ground up construction
  • Condos and Town homes – Work must be performed for single unit owners or in common areas only. No projects involving more than one unit. No structural work.
  • Incidental roofing allowed in conjunction with room  additions (subject to $25,000 sub limit) -(OK for General Contractors in conjunction with remodels and room additions)
  • No framing as a subcontractor (OK for General Contractors in conjunction with remodels and room additions)
  • No foundations as a subcontractor (OK for General Contractors in conjunction with remodels and room additions)