Artisan Liability PDF Print E-mail

 

Minimum Premiums

Package    $750 
Mono-line Property  $400 
  General Liability  $600 (Occ Limit $1MM) 
    $500 (Occ Limit $500K) 
    $400 (Occ Limit $300K or less)
  Inland Marine $750 
Part of Package  Property $250 
  GL As above less 10% 
  IM  $250 

 

 

 

 

 

 

 

 

 

 

 

Contractors GL - Guidelines

  • Any contractor subcontracting more than 25% of their work is ineligible.
  • All subcontractors must carry liability limits equal to or higher than those of our Insured's policy limits and must include our insured on their policy as an additional Insured, with a Hold-Harmless clause in favor of our Insured. Certificates of Insurance must be obtain by the Insured and kept on file with the Insured. ANY RISK USING UNINSURED SUBCONTRACTORS IS PROHIBITED.
  • Contractors involved in the construction of new residential property are prohibited.
  • Endorsement GSC-ART-006 Exclusion Prior completed work must be applied on all risks.
  • Job safeguards such as trenches, barricades, fencing, traffic detouring, warning signs, etc must be in place for all risks where there is a public safety or trespassing exposure.
  • Risks performing work on landfills , bridges or dams are prohibited.
  • Additional Insured Notes enhanced to allow for above.

Summary of Acceptible Classes: Any excluded operations are shown in brackets [ ]

91111  Air conditioning systems or equipment - dealers or distributors and installation, servicing and repair
91150  Appliance and accessories installation, servicing or repair - commercial 
91155  Appliance and accessories installation, servicing or repair - household 
91302  Cable installation in conduits or subways - [any exterior work is excluded]
91340 

Carpentry  - construction of residential property not exceding 3 stories in height

   (i) [any scaffolding workmust be carried out by independant contractors; ]

   (ii)[ any risks performing roofing work are excluded.]

91341  Carpentry - interior
91342 

Carpentry

   (i) [any scaffolding work must be carried out by independant contractors ]

   (ii)[any risks performing roof work are excluded ]

91343  Carpentry - shop only
91405  Carpet, rug, furiture, or upholstery cleaning - on customers premises  - [floor waxing is prohibited]
91436  Ceiling and wall installation
91551  Communication equipment installation (industrial or commercial)
91560  Concrete construction
91577  Conduit construction for cables or wires - [any exterior work is excluded]
91629  Debris Removal - construction site - [risks performing asbestos removal unless performed by an independant Asbestos Batement contractor]
91746  Door, window or assembled Millwork installation - metal
92215  Driveway, parking area or sidewalk - paving and repaving 
92338  Drywall or wallboard installation
92451  Electrical Apparatus - installation, service or repair - [Alarm installation prohibited]
92478  Electrical work within buildings - [alarm installation prohibited]
94276  Fence erection contractors - [any risks installing fencing alongside highways or airports, any type of safety barrier work, or automatic gates are prohibited]
94569  Floor covering installation
95124  Furniture or fixtures installation in offices or stores - metal or wood
95625  Handyperson - [roofing operations are excluded] 
95647  Heating or combined heating and air conditioning systems or equipment dealers or distributors and installation, servicing or repair  -[any non standard fireplace or wood burning stove installation is prohibited]
95648  Heating or combined heating and air conditioning systems or equipment dealers or distributors and installation, servicing or repair  (no LPG equipment sales or work) -[any non standard fireplace or wood burning stove installation is prohibited]
96503  House furnishings installation (including incidental floor covering installation and upholstery)
96611  Interior decorators - [risks providing design work are exlcuded unless they carry Professional Liability  coverage]
96816  Janitorial services - floor waxing or cleaning prohibited in supermarkets, malls, stores, airports, bus and train terminals, medical facilities, construction sites, governmental buildings, or any other such areas that have high foot traffic. [Risks with receipts from floor waxing or cleaning over 30% prohibited. ]
97447  Masonry
97650  Metal erection - decorative or artisitc
97653  Metal erection - non structural 
16292  Owners and contractors protective 
98111  Office machines or appliances, installation, inspections, adjustments, or repairs 
98344  Paperhanging 
98482  Plumbing - industrial or commercial 
98483  Plumbing - residential or domestic
98806  Septic tank systems - installatino, servicing or repair -[ installation risks are prohibited. Risks using checmicals that do not meet OSHA  guidelines are prohibited.  ]
98884  Sheet metal work - outside
98967  Siding installation 
99003  Sign painting or lettering - inside of buildings 
99004  Sign painting or lettering - on buildings or structures 
99506  Swimming pools - installation, servicing or repair - above ground - [PRODUCTS/COMPLETED OPS EXCLUDED ]
99507  Swimming pools - installation, servicing or repair - below ground - [PRODUCTS/COMPLETED OPS EXCLUDED ] 
99650  Television or radio receiving set installation or repair
99746  Tile, stone, marble, mozaic, or terrazzo work - interior construction - [fireproof tile construction/installation prohibited ]
99948  Water softening equipment - installation, servicing or repair
99975  Window cleaning