In the past we were resistant to write insurance for artisan contractors. We were mostly dealing with small, usually one man, companies, and efforts spent to provide insurance quote most of the time weren’t justified with a bottom line.
Today we’re happy to announce “Happy Artisan Contractors” program. Premium starts from $750 to $1000 in California ($450 to $1000 in other states). Excess Liability up to $5,000,000 is also available.
Limits
- 300,000/300,000/300,000 (CA, NV, OK & OR only)
- 500,000/500,000/500,000
- 500,000/1,000,000/1,000,000
- 1,000,000/1,000,000/1,000,000
- 1,000,000/2,000,000/1,000,000
- 1,000,000/2,000,000/2,000,000
Artisan contractors who perform new construction in tract home subdivisions of up to 10 homes are acceptable! A tract development is defined as – a project or premise in which multiple architecturally identical, nearly-identical, or similar homes are built.
Contractors performing 100% service and repair work for residential and commercial projects are given special consideration in the program. Additionally, we accept small remodeling general contractors, including those who complete room additions.
- Allows up to $200,000 in subs costs but costs must be 50% or less of annual gross receipts.
- CG 2010 11/85 available for commercial risks. 11/85 Additional Insured’s not provided for Residential projects. $500 (fully earned)
- CG 2010 07/04 included for no additional charge
NO COVERAGE IS BOUND WITHOUT PRIOR APPROVAL FROM PAPERLESS INSURANCE SERVICE.