Trade & Specialty Contractors Insurance Program | Allen Financial Insurance Group

Trade & Specialty Contractors Program

Contractors need more than a hard hat for protection.
Contractor Pac policy provides general liability coverage for 77 trade contractor classifications. We will pay for damages legally owed to others for bodily injury, property damage, personal and advertising injury resulting from your contracting business operations.

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


Key coverage automatically included are:
bullet Contractors License Bond
bullet Commercial General Liability


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


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


Contractors Personal Property (Written on own Contractors Personal Property Inland Marine Form)
bullet Business Personal Property (BPP)
bullet Contractors Installation
bullet Contractors Tools and Equipment
bullet Blanket Basis (unscheduled)
bullet Scheduled Basis
bullet Non-Owned Tools and Equipment
bullet Employee Tools
bullet Rental Cost Reimbursement
bullet Computer Coverage


Ineligible Risks:

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 $5,000 in last 3 years
Contractors with gross receipts over $1,500,000


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Contact us by phone (800) 874-9191, FAX (602) 992-8327
or email below for more product information.

A Key Component of the Allen Financial Difference