|
|
|
|
|
|
|
|
Rate Sheet
For FL Artisan Contractors
ARTISAN CONTRACTOR PROGRAM - GENERAL LIABILITY
Sample Annual Policy Premiums
1-Man Firms for Classes Below w/ 4-Pay Plan
| Liability Limits |
100K/200K |
300K/600K |
500K/1M |
1M/2M |
| Total Annual Minimum Premium |
$431 |
$482 |
$557 |
$633 |
| Down Payment |
$131 |
$145 |
$163 |
$183 |
| Plus 3 Payments of |
$103 |
$116 |
$134 |
$153 |
(Premiums may be slightly higher for risks located in Broward, Dade and Monroe)
IMPORTANT - BE CERTAIN TO LIST ALL OPERATIONS ON THE POLICY
| 91111 |
Air Conditioning Systems Installation, Service or Repair |
| 96410 |
Insulation Installation - Mineral |
| 97220 |
Air Cooled Engine Service or Repair |
| 96611 |
Interior Decorators |
| 91150 |
Appliance & Accessories Installation - Commercial |
| 96816 |
Janitorial Services |
| 91155 |
Appliance & Accessories Installation - Household |
| 97047 |
Landscape Gardening |
| 91340 |
Carpentry Construction - Residential |
| 97050 |
Lawn Care Services |
| 91341 |
Carpentry - Interior (incl. wood flooring) |
| 97111 |
Logging and Lumbering (does not incl. residential tree trimming) |
| 91343 |
Carpentry - shop only |
| 97447 |
Masonry |
| 91405 |
Carpet, Rug, Furniture, or Upholstery Cleaning - on customer premises |
| 98111 |
Office Machines Installation and Service |
| 91436 |
Ceiling or Wall Installation - Metal |
| 98305 |
Painting - Interior |
| 91560 |
Concrete Construction |
| 98344 |
Paperhanging |
| 91629 |
Debris Removal / Construction Site Clean - Up |
| 98449 |
Plastering or Stucco |
| 91746 |
Door, Window Installation |
| 92215 |
Driveway, Parking Area, Sidewalk Paving or Repaving |
| 98805 |
Septic Tank Systems - Cleaning only |
| 92338 |
Drywall or Wallboard Installation |
| 98967 |
Siding Installation (for wood siding use carpentry class) |
| 92478 |
Electrical Work - within buildings |
| 99003 |
Sign Painting / Lettering - Interior |
| 94569 |
Floor Covering Installation - carpet not ceramic tile or stone (for ceramic tile stone etc. see Code 99746) |
| 99004 |
Sign Painting / Lettering - Exterior |
| 95124 |
Furniture / Fixtures Installation |
| 99080 |
Solar Energy Contractors |
| 95233 |
Garbage, Ash or Refuse Collecting |
| 99650 |
TV or Radio Receiving Set Installation or Repair |
| 95410 |
Grading of Land |
| 99709 |
Tents or Canvas Goods - Erection, Removal, or Repair |
| 95625 |
Handyperson - no commercial work, roofing, or subcontracting |
| 99746 |
Tile, Stone, Marble, Mosaic or Terrazzo Work - Interior |
| 95647 |
Heating & Air Conditioning Installation Service or Repair |
| 99827 |
Upholstery |
| 96053 |
House Furnishing Installation |
| 99975 |
Window Cleaning |
| 96408 |
Insulation Installation – Plastic |
THE FOLLOWING CLASSES HAVE SLIGHTLY HIGHER PREMIUMS
FOR 1-MAN OPERATIONS
| 91315 |
Cable or Subscription TV - No Fiber Optics |
| 91344 |
Remodeling - includes carpentry, electrical work, painting, drywall work and plumbing |
| 91342 |
Carpentry |
| 98304 |
Painting - Exterior - 3 stories or less |
| 99952 |
Cleaning Outside Surfaces of buildings by Water or Steam (includes pressure washing) |
| 98993 |
Sign Erection, Installation and Repair |
| 94276 |
Fence Erection (excl. security fencing around pools) |
| 99505 |
Swimming Pool Servicing |
| 98483 |
Plumbing - residential |
| 99955 |
Waterproofing (does not incl. pressure washing) |
SUBCONTRACTORS
| 91581 |
CONTRACTORS - SUBCONTRACTED WORK - In connection with construction, erection or repair - NOT buildings. |
| 91584 |
CONTRACTORS - SUBCONTRACTED WORK - In connection with construction, erection or repair - Buildings - Industrial use. |
| 91583 |
CONTRACTORS - SUBCONTRACTED WORK - In connection with construction, erection or repair - 1 or 2 family dwellings. |
| 91585 |
CONTRACTORS - SUBCONTRACTED WORK - In connection with construction, erection or repair of buildings. |
Deductible Options (PD Only - first dollar coverage for BI) $250/$500/$1,000/$2,000 Per Claim
Limit Options $100/100 or 100/200 / $300/300 or 300/600 / $500/500 or 500/1,000 / $1,000/1,000 or 1,000/2,000
Program Highlights
One Man Firms Eligible 55 eligible Classes (can have up to 15 on one quote)
New ventures with one years experience in field Additional Insureds $50 each - No Blankets
Owner/1 Man firm rated on $16,700 Annual Payroll Waivers of Subrogation 10% of annual premium - $50 MP
4 Pay Plan with $5/Month Fee (DP/60/120/180)
10 Pay EFT Plan with $3/Month Fee for premiums $1,000+
CGL Occurrence Form including Products/Completed Operations
No extra TRIA Form (automatically included at No Charge)
Ineligible Risks
No General Contractors
No Leasing or Renting Equipment to Others
Exterior Work over 3 stories Max or 50' in height
Subcontractors 40% Max
Marine or marine related work
Roofers or roof related work
No sale, installation, service or repair of alarm systems, automatic fire extinguishing systems, boilers, elevators,
or escalators, repair of wood, coal or waste oil burning stoves
Demolition or blasting operations
Asbestos insulation or asbestos containing material
Installation of insulation materials other than fiberglass or rock wool
Sale of chemicals, or the application of chemicals, such as herbicides or pesticides, to property
Work performed for petroleum or chemical facilities
Fiber optic cable work or installation
Mobile home or related work
Excavation or tunneling
Contractors involved in any exterior work over three (3) stories or fifty (50) feet in height
Prefab steel construction
Recreational playground construction
Real estate developers
Applicants who have been bankrupt or have poor financial history (can be referral if for good reason)
Applicants with more than three (3) losses of any type in the past five (5) years
Prior felony convictions by any officer, owner, or partner
|
|
|
|
|
|
|
Tell Us About Your Operations
|
|
Work Percentage
(Must Equal 100%)
|
|
|
|
|
Provide detailed description of your
contracting operations. The more complete the description, the
more accurate your quote will be.
|
|
|
|
|
|
|
|
|