This insurance provides comprehensive and broad-ranging protection for artisan contractors. We offer this coverage to more than 30 types of contractors such as carpenters, concrete construction workers, electricians, handymen, HVAC technicians, janitorial businesses, landscapers, painting/paperhanging providers and plumbers.
Some of the included coverages for Contractors:
Blanket Additional Insured
Coverage for any person or organization, if there is a written contract, permit or agreement to name them as an additional insured on the policy.
Contractors Leased and Rented Equipment
- Coverage for equipment that is leased or rented from another party for a period of less than six months.
- Coverage follows building materials, equipment or tools from one job site to the next.
Per Location and Per Job Aggregate Limits
- Limits for Business Liability apply separately to each location owned by or rented to the insured, and limits apply separately to each construction project.
- Coverage for business personal property at your office, storage or shop locations.
Unscheduled Tools and Equipment
- Coverage for smaller tools or equipment not specifically listed in your policy.
Optional coverages are also available to customize your policy to meet your unique needs.
Hired and Non-owned Auto Liability
- Covers bodily injury and property damage caused by a vehicle you hire, including rented or borrowed vehicles, or when caused by non-owned vehicles which are vehicles owned by others, including those owned by your employees.
- Higher limits are available for coverage for tools leased or rented from others.
Short Term Pollution
- For example, covers damage or injury from heat, smoke or fumes.
Money saving discounts for:
- Age of Building, available on buildings built within the past 15 years
- Protective Safeguards Discount, when fire alarms or security systems are installed and fully functioning
- Multiple policies with Merchants Insurance Group