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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 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