Program eligibility:

	Small residential & light commercial building contractors
	New ventures are acceptable
	Gross receipts less than $1,500,000
	Contractors with 10 employee or less
	75% of the total payroll must be in one or more of the primary Trade classifications.
	General Contractor Subcontracted Work is limited to 35% of the total annual receipts
	Contractor must place bond with insurance company
	All subcontractors must have General Liability coverage with limits of at least $300,000/$600,000

Ineligible Risks:

	Contractors involved in new construction work on condominiums of any size
	Contractors involved in new construction on apartments with more than 12 units
	Work on tracts (new construction involving 5 or more houses at one location)
	Contractors with unacceptable credit
	Contractors with more than one loss and/or claim exceeding $2,500 in last 3 years
	Contractors with gross receipts over $1,500,000
	Contractors with more than 10 employees

Key coverage automatically included are:

	Contractors License Bond
	Commercial General Liability

Optional Coverage

	Non-Owned and Hired Auto
	Property
	Inland Marine (Contractors Personal Property Form)
	Employee Benefits Liability
	Commercial Auto

Real Property (Building)
 

	Building coverage for Shop/Storage/Office. This coverage does not apply to the personal dwelling.
	ISO Property Coverage Form

Contractors Personal Property
(Written on own Contractors Personal Property Inland Marine Form)

	Business Personal Property (BPP)
	Contractors Installation
	Contractors Tools and Equipment
	Blanket Basis (unscheduled)
	Scheduled Basis
	Non-Owned Tools and Equipment
	Employee Tools
	Rental Cost Reimbursement
	Computer Coverage

 

Minimum Premium $500
$500 Per Claim PD Deductible
All policies are auditable

 

  Contractor Plus Application