Contractor Liability Insurance

Small Artisan & General Contractor Packages include:

• Business Personal Property Off Premises coverage is provided, when Business Personal Property is selected. It extends to tools, equipment, building materials and supplies at installation sites, in transit, and away from premises for up to $25,000.

• Business Income and Extra Expense is included for Contractors. Coverage applies on an Actual Loss Sustained basis for up to 12 consecutive months. Coverage may be written on a policy or location level basis for any dollar limit without the 12 month limitation.

• Contractors Equipment coverage is available for higher valued equipment off premises.

• Employee Dishonesty and Forgery or Alteration coverage are both included for up to $25,000 when

• Building or Business Personal Property coverage is selected. Higher limits are available.

• Equipment Breakdown coverage is included when Building or Business Personal Property coverage is selected. Diagnostic equipment, power generating equipment, and production equipment are limited to $100,000 for direct damage (with higher limits available).

• Liability for Damage to Premises Rented to You is covered for up to $300,000.

• Money and Securities are included within Business Personal Property, when this coverage is selected.

• Newly acquired and/or constructed buildings are included up to $500,000 for up to 180 days, when Building or Business Personal Property coverage is selected.

• Ordinance or Law coverage is included for a combined limit of $25,000, when Building or Business Personal Property coverage is selected (higher limits are available).

• Signs within 1,000 feet are included: within the Building limit when Building coverage is selected; or within the BPP limit when selected and when tenant is contractually obligated.

• State or Political Subdivisions— Permits, and Managers or Lessors of Premises are included as Additional Insured's. Theft Damage to Rented Property coverage is included within Business Personal Property when selected and when the tenant is contractually obligated.

Small Contractors who can be covered under a package include:

• Air Conditioning

• Awning Installation

• Cabinet Makers—Shop Only

• Carpentry—1 and 2 Family Dwellings

• Carpentry—Interior

• Carpentry—Shop Only

• Carpet and Floor Covering Installation

• Carpet, Rug, and Upholstery Cleaning

• Communication Equipment Installation—Industrial or Commercial

• Concrete Construction

• Counter Top Installation

• Door, Window or Assembled Millwork

• Driveways, Sidewalks and Parking Areas

• Drywall or Wallboard Installation

• Electrical, Household Appliances and Equipment Installation, Service, Repair

• Electrical Wiring within Buildings

• Excavation

• Fence Dealers and Installers

• Furniture and Fixture Installers

• Glaziers

• Grading of Land, Site Preparation

• Heating—Combined HVAC

• House Furnishing Installation

• Iron Works—Decorative or Artistic

• Landscape Gardening

• Lawn and Garden

• Sprinkler Installation

• Masonry

• Monument Engraving and Installation

• Musical Instrument Tuning or Repair

• Painting—Exterior

• Painting—Interior and Paperhanging

• Plastering and Sheetrock—Inside

• Plastering or Stucco—Outside

• Plumbing

• Power Washers

• Refrigeration

• Septic Tank Installation, Service, Repair

• Sheet Metal Work

• Siding, Gutter, Downspout Installation

• Sign Installation and Repair

• Sign Painting and Lettering

• Subcontracted Work

• Tile and Stonework—Interior

• Water Softening Equipment Installation