A Small Contractor Program

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Program Description

This program is geared for our smaller GC's and remodel contractors with 0 to 5 employees!

SMALL A PROGRAM

• Occurrence Form
• 1/2/2 Limits Available
• Gross Receipt Based
• Low Down Payment

ELIGIBLE RISKS

• Lapse in Coverage
• New Ventures
• More than 50 Classes
• Up to 500K in Gross Receipts
  

Program Highlights

• Policy within Minutes
• AIII Rated Carrier

• Maximum Limits$1,000,000 Per Occurrence $2,000,0000 General Aggregate $2,000,000 Products/Completed Operations Aggregate

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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 work allowed on residential property exceeding 5,000 square feet or commercial property exceeding 20,000 square feet
• 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)

This is for discussion purposes only. Read your particular policy for complete coverage details.