Insurance Products

The product pages provide a brief overview of the many different types of accounts we can help you place. Select a product from the left to learn more about it. If you have questions regarding a particular risk or program, please feel free to call us at (800) 648-0357 and we will be glad to help.

Artisan Contractors

This product is for experienced, safety conscious Artisan Contractors working on residential, commercial and industrial new construction and remodeling projects. As a rule-of-thumb, an artisan contractor is in operation involved in 5 or less different construction trades, whose subcontracting costs are less than 50% of their total operation, with yearly gross receipts under $1,500,000. Also see General Contractors.

Coverages

Guidelines

Applications

General Liability
- Primary limits up to $1,000,000 / $2,000,000 Occurrence/Aggregate
Property
- Basic, Broad or Special Form
- RC or ACV
- Building
- BPP
- Business Income
- Signs
Inland Marine
- Contractors Equipment
Underwriting
Important underwriting points are applicant experience, assessing the scope and type or work performed, assessing the subcontractor exposure and loss history. Certificates of insurance should be obtained by all sub-contractors at limits equal or greater than that of the applicant.

Prohibited
- Work on airplanes or any aerospace exposure
- Work in oil refineries, petro-chemical plants or chemical plants
- Asbestos or other hazardous material removal or abatement
- Discontinued operations coverage
Examples of Available Classes

Advertising Sign Companies – Outdoor
Air Conditioning Systems – install, service
Alarms and Alarm Systems
Appliance and Accessories Installation
Appliance – Household – Installation, Service, Repair
Boiler Inspection, Installation, Service, Repair
Bridge or Elevated Highway Construction
Bridge or Elevated Highway Construction – Iron or Steel
Building – Structure – Raising or Moving
Cable Installation in Conduits or Subways
Carpentry – residential – not exceeding 3 stories
Carpentry
Carpentry – interior
Carpentry – shop only
Carpet, Rug, Upholstery Cleaning
Ceiling or Wall Installation – Metal
Chimney Cleaning
Communication Equipment Installation – Industrial or Commercial
Cleaning – Outside Surfaces of Buildings
Concrete Construction
Concrete or Cement Distributing Towers
Conduit Construction for Cable or Wires
Construction or Project Managers
Contractors
Contractors – Executive Supervisors
Contractors Permanent yard maintenance or storage of equipment or material
Contractors – Subcontracted Work – in connection with bridge construction, reconstruction, repair or erection
Contractors – Subcontracted Work – in connection with building construction, reconstruction, repair or erection – apartment or office building over 4 stories
Contractors – Subcontracted Work – in connection with building construction, reconstruction, repair or erection – 1 or 2 family dwellings
Contractors – Subcontracted Work – in connection with construction, reconstruction, repair or erection – not buildings
Contractors – Subcontracted Work – in connection with construction, reconstruction, repair or erection of buildings – for industrial use
Contractors – Subcontracted Work – in connection with construction, reconstruction, repair or erection of buildings
Contractors – Subcontracted Work – in connection with oil and gas field construction, reconstruction, or repair
Contractors – Subcontracted Work – in connection with pipeline (other than oil and gas), or communication or power line construction, reconstruction, or repair
Contractors – Subcontracted Work – in connection with street or highway construction, or repair – not elevated
Contractors – Subcontracted Work – other than construction related work
Debris Removal – construction site
Door, Window or Assembled Millwork– installation-Metal
Driveway, Parking Area or Sidewalk – paving/repaving
Dry Wall or Wallboard Installation
Electrical Apparatus – Installation, Service, Repair
Electrical Light or Power Line Construction
Electrical Light or Power Line Construction – Rural
Electrical Work – within buildings
Excavation
Fence Erection Contractors
Floor Covering Installation – not ceramic tile / stone
Furniture or Fixtures – Installation
Gas Main or Connections Construction
Grading of Land
Greenhouse Erection
Guniting or Shot-crete
Handyperson
Heating or Combined w/AC – dealers or distributors
Heating or Combined w/AC – install/svc/repair
Heat or Comb. w/AC – install/svc/repair – no LPG
House Furnishing Installation
Insulation Work – mineral
Insulation Work – organic or plastic in solid state
Insulation Work – plastic
Irrigation or Drainage System Construction
Irrigation Work Operations
Janitorial Services
Landscape Gardening
Lawn Care Services
Masonry
Metal Erection – decorative or artistic
Metal Erection – frame structure w/iron work out
Metal Erection – construction dwellings not over 2 stories
Metal Erection – nonstructural
Metal Erection – gates/standpipes/ tanks/silos/vaults
Metal Erection – structural
Mobile Home Setup
Office Machines or Appliances – installation, inspection, adjustment or repair
Orchards and Vineyards – Operations by contractor
Painting – exterior – exceeding 3 stories
Painting – exterior – 3 stories or less
Painting – interior – buildings or structures
Painting – Ship Hulls
Painting – shop only
Painting – steel structures or bridges
Paper Hanging
Pile Driving – Building – Foundation Only
Pile Driving – Building – Sonic Method
Pile Driving – Other
Pipeline Construction – other
Plastering or Stucco Work
Plumbing – commercial and industrial
Plumbing – residential or domestic
Prefabricated Building Erection
Refrigeration Systems or Equipment – dealers and distributors and installation, servicing or repair – Commercial
Renovating Outside Surfaces of Buildings
Roofing – Commercial
Roofing – Residential
Salvage Operations – NOC
Salvage Operations – Removing, sorting, reconditioning, and distributing of merchandise in damaged buildings and incidental operations away from such buildings
Sandblasting
Septic Tank Systems – Cleaning
Septic Tank Systems – Installation, service, or repair
Sewer Cleaning
Sewer Main Construction
Sheet Metal Work – outside
Sheet Metal Work – Shop Only
Siding Installation
Sign Erection, installation, or repair
Sign Painting or Lettering – inside of buildings
Sign Painting or Lettering – on buildings or structures
Steam Mains or Connection Construction
Steam Pipe or Boiler Insulation
Street Cleaning
Street or Road Construction or Reconstruction
Street or Road Paving or repaving, surfacing or resurfacing or scraping
Swimming Pools – install/svc/repair – below ground
Swimming Pools – install/svc/repair – Above Ground
Swimming Pools – Servicing
Tank Construction, Installation, Erection or Repair – Metal – Not Pressurized
Tank Construction, Installation, Erection or Repair – Metal – Not Pressurized – within buildings exclusively
Telephone, Telegraph or Cable TV Line Construction
Television or Radio Receiving Set Installation
Tile, Stone, Marble, Mosaic or Terrazzo work – interior construction
Tree Pruning, Dusting, Spraying, Repairing, Trimming, or Fumigating
Upholstering
Upholstering – Shop Only
Water Main Construction
Water Softening Equipment Installation
Waterproofing – By Pressure Apparatus
Waterproofing – By Trowel – Exterior
Waterproofing – By Trowel – Interior or Insulation work
Waterproofing
Welding
Window Cleaning
Wrecking – Buildings or Structures

Available In
- Indiana
- Michigan
- Ohio
- Pennsylvania
- West Virginia
Contractor Application
ACORD 140 – Property Section
ACORD 146 – Equipment Floater Section