- Rate "Artisan Contractors" General Liability
- Rate "General Contractors" General Liability
- Additional Information below
Artisan Contractors
This program was developed to insure a wide variety of artisan contractors offering most of the required forms and endorsements mandatory for nearly any job requirement. Eligible Risks include...
- Annual payroll less than $1,000,000
- Less than fifteen (15) employees
- Less than 25% of work subcontracted
- New ventures must have a minimum of at least "one year experience" in the same line of work they are being classified in.
Maximum Limits of Liability
$2,000,000 – General Aggregate
$2,000,000 – Products Aggregate
$1,000,000 – Per Occurrence*
$1,000,000 – Personal & Advertising Injury
$ 100,000 – Damage to Premises Rented to Others
$ 5,000 – Medical Payments
Submit for $2,000,000 "per occurrence" limit
- Minimum Earned Premium: NONE
- Minimum Premiums: $500 (for all limits)
- Policy & Inspection Fees: NONE
Deductibles:
$1,000 PD per claim except roofing ($2,500 PD per claim for roofing operations) (except as otherwise noted in our classification table)
Additional Insureds, Waiver of Subrogation, Primary and Non-Contributory Wording:
- Additional Insureds: (Submit if other than form CG2010 10/07) $100 Fully Earned
- Blanket Additional Insureds: $250 Fully Earned (submit if more than 5 are contemplated)
- Waiver of Transfer of Rights of Recovery Against Others to Us: (Submit if other than form CG2404 5/09) $100 Fully Earned
- Primary/Non-Contributory $100 Fully Earned
- Blanket Waivers or Blanket Primary and Non-Contributory forms are unavailable.
General Contractors
Hire artisans to do work on their projects, commonly referred to as subcontractors, but artisans also work as independent contractors on their own.
All professional general contractors require their subcontractors (artisans) to carry general liability coverage and will usually require to be named as an additional insured under the artisan’s policy. |
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Commercial Auto Program
Our Commercial Auto program is currently available in multiple states and offers competitively priced policies for liability and physical damage coverage.
This program targets the harder to write classes of business which include; Dump Trucks, Artisan and Contractor trades’ vehicles, haulers and trailers, Tow Trucks (no repos), Garbage Collections, Debris Removal, Boom Trucks and Cranes to name a few.
Highlights...
- Extra Heavy Gross Vehicle Weights
- No Submission too Small or too Large
- Full Coverage Market
- New Ventures are Eligible
- Up to 300 Miles Radius
- Dump Trucks for Hire are Acceptable
Garage Coverage Programs
- Garage Liability
- Premises Liability
- Garage Keepers
- Products/Completed Operations
- Auto Coverage
- Workers Compensation
Eligible Classifications
- Gas Stations
- Auto/Truck Repair Shops and Body Shops
- Motorcycle Sales and Repairs
- Trailer Sales
- Mobile Repair
- Used Auto Dealers
- Quick Lube Shops
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Florida Artisan & General Contractors CGL Program
Alternate Submissions/Indications Call: 954-341-8331 or Fax: 954-345-7620 or quotes@firestoneagency.com
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Our General Liability program offers competitively priced policies with flexible coverage options for General Contractors, Roofing Contractors and most classes of Artisan/Trade Contractors. Our programs allow a broad range of acceptable operations, including residential and commercial contractors, new ventures or no prior insurance; as well as preferred pricing for established accounts with no claims.
- Minimum Earned Premium: NONE
- Minimum Premiums: $500 (for all limits)
- Policy/Inspection Fees: NONE
Insured 'Subcontractors' subject to less than 25% of work subcontracted
-Class Code |
-Premises/Operations |
-Products/Completed Operations |
- 91583 |
- 1.00 |
- 3.00 |
- 91581 |
- 2.02 |
- 1.78 |
- 91582 |
- 1.74 |
- 1.10 |
- 91585 |
- 1.64 |
- 1.22 |
- Minimum Premiums from $1,000-$1,500+ ($300+ for Artisan/ Trade Contractors)
- Work Completed by Subcontractors is Covered - Including; Insured, Uninsured and Underinsured
- Full Occurrence Form Available
- $1,000,000 / $2,000,000 Aggregate Limits Available
This program is designed for small to medium-sized residential and commercial general contractors (GC’s) who use adequately insured subcontractors (see “Special Conditions” below). We are not a market for GC’s doing any industrial, medical, institutional or multi-family construction. A general contractor can be defined as an entity that is responsible for the overall supervision and coordination of a building project. We can consider “paper contractors” who use subcontractors for 100% of the work or general contractors who use their own employees for all or some of the work and subcontract out the remainder.
Three (3) form options to provide the amount of coverage your customer needs that are priced accordingly:
- Occurrence with Special Conditions – This option provides occurrence coverage under ISO’s CG0001 - Commercial General Liability Coverage Form.
- Occurrence (with Special Conditions) with Two (2) Year Sunset Option - This option provides occurrence coverage under ISO’s CG0001
- Claims Made Option (with Special Conditions)
Eligible Risks...
- Residential or Remodeling General Contractors with annual receipts of $15,000,000 or less and individual project maximum of $3,000,000 or less.
- Commercial General Contractors with annual receipts of $45,000,000 or less and individual project maximum of $15,000,000 or less.
- New Ventures with a minimum of three (3) years building experience
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Workers Compensation Programs
We are pleased to provide insurance solutions for small to mid-sized employers. We provide mono-line workers' compensation coverage in South Carolina and following States. Our target account has premiums ranging from $500 to $500,000 across all major industry groups, including manufacturing, construction, wholesale & retail, service and office & clerical operations.
Injuries, accidents and illness will happen and can have a tremendous affect on employees and employers. You need to have confidence that the carrier will be there when your client needs help.
AIC is ready, willing and able.
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Program Highlights:
- Customized Program for the Auto Recycling/ Dismantler industry
- Experienced Underwriting Staff and Expertise
- Superior Claims Service
- Loss Control
Lines of Coverage:
Garage Liability
Commercial General Liability
Commercial Automobile
Workers Compensation
Products available to contracted producers for The Firestone Agency of Florida Inc.
Producer has no authority to bind coverage. Coverage must be confirmed by an authorized representative of the Firestone Agency of Florida Inc.
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