Contractor Business Classes

From updating electrical wiring to crafting cabinetry and furniture, artisan contractors regularly complete dangerous tasks as part of their work. Come to Insureon Solutions to quote…

• Appliance installation, service, or repair.
• Cabinet building and installation.
• Carpenters.
• Drywall installation.
• Electricians.
• Floor covering installation, including...
  • Tile, stone, mosaic, and terrazzo flooring.
  • Carpet installation or removal.
• HVAC.
• Stone masons / Bricklayers.
• Painting (less than 3 stories).
• Plumbers.
• Remodelers.
• Window cleaners.

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Lines of Business

• General liability insurance
• Business owner’s policy
• Commercial auto insurance
• Inland marine insurance
• Umbrella liability insurance
• Workers' compensation insurance (Note: Availability based on state and risk, no monoline, three years in business and $100K in payroll required.)

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Coverage Highlights

• Coverage minimums starting at $325 depending on the state
• Faulty workmanship coverage (contractor’s errors and omissions)
• Completed operations - additional insured endorsement form CG 2037
• Blanket additional insured endorsement form 49-0108 (CG 2010 07-04 equivalent)
• Primary and noncontributory included
• Tools & equipment coverage available
• Hired / non-owned auto coverage available
• Installation floater available
• Waiver of subrogation agreement
• New ventures may be eligible

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Eligible Risk Attributes

To find out more about the eligibility requirements for a specific retail sector, talk with an Insureon Solutions producer today.

Ineligible Risk Attributes

• Businesses located in AK or HI
• Foundation work
• Exterior framing
• Pressure washing
• Fire or alarm installation & repair
• Exterior work over three stories
• Framing contractors
• Excavation work
• Debris removal
• Street cleaning
• Property preservation
• Exterior Insulation Finishing Systems (EIFS)
• Roofing, residential or commercial
• Loss History (two or more claims in the past three years)
• Less than two years of experience in trade

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