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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 3 or less different construction trades, whose subcontracting costs are less than 40% of their total operation, with yearly gross receipts under $2,500,000. 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

    Available In

    • Illinois
    • Indiana
    • Michigan
    • Ohio
    • West Virginia
  • Contractor Application
    Roofing Supplement
    ACORD 140 – Property Section
    ACORD 146 – Equipment Floater Section