Eligible Classes
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Class Code	Class Description
91111	Air Conditioning - Air Conditioning Systems or Equipment, installation, service or repair including dealers. If heating work also use 95647.
91150	Appliance Installation - Commercial - No residential, apartment work ok.
91155	Appliance Installation - Household (residential) - Installation, service and repair of household appliances & accessories. NO commercial appliances.
91342	Carpentry - Commercial - Includes commercial tenants improvements & betterments, repair & replacement. NO exterior work on buildings exceeding 3 stories. NO stand-alone roofing or a roofing license is allowed. Incidental roofing work allowed in conjunction with a remodeling project.
91344	Carpentry - Handyman - Service and repair work only. Maximum $2,500 per job if licensed and $500 per job if not licensed.
91341	Carpentry - Interior - Finish carpentry, includes woodwork, trim, countertop (no tile), wooden doors, cabinet installation and shelving. NO General Contracting or interior room remodel (use 91340). NO exterior framing work as a subcontractor.
91340	Carpentry - Residential - Includes structural and non-structural remodeling and repair. Examples: Kitchen & bathroom remodeling & decking. Work also may include adding square footage such as a second story or room additions. Exterior framing work as a subcontractor not allowed. NO exterior work over 3 stories. NO stand-alone roofing or a roofing license is allowed. Incidental roofing work allowed in conjunction with a remodeling project.
91405	Carpet-Upholstery Cleaning - Work on customer premises only, NO shop exposure. Only 100% Service/Repair and/or Commercial risks permitted in this class.
91436	Ceiling/Wall Installation - Metal - Ceiling or Wall Installation - Metal or Acoustic.
91551	Communication Equipment Installation - Wiring, cables & circuits for telephone and communications equipment operating at <50 volts. NO telephone line construction, burglar, fire alarm/emergency systems work
91560	Concrete Construction - Includes pouring, placing & finishing concrete. Patios, pads, walkways, mow strips, driveways. Room addition foundations are acceptable as a sub-contractor or the General Contractor. Commercial foundations are acceptable. NO residential foundation work on New Homes. NO exterior work on buildings exceeding 3 stories in height. NO pool construction. NO public street, road or highway work.
91577	Conduit Construction - Cable/Wire - Installation of communication or electrical encasement. Max. depth 12 feet. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
91629	Debris Removal - Construction Site - This classification applies to those risks solely engaged in the removal of debris in connection with construction or erection. NO roof tear-off or soft demo. NO janitorial work. NO salvage operations. NO Asbestos Removal.
91746	Door/Millwork Installation - Metal - Door/Millwork Installation - Garage door work OK. NO window work.
92102	Drilling - Water - Private water drilling with limited agricultural exposure. NO water quality testing or municipal work. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
92215	Driveway/Sidewalk Paving - Includes asphalt or paver installation, parking lots, private roads & commercial or residential driveways or sidewalks. NO Public street, road or highway work. NO grading or excavation other than incidental to paving (use those specific classes if not incidental).
92338	Drywall - Residential service, repair or remodeling only. NO New Residential work. New commercial OK. NO insulation work.
92478	Electrical - Within Buildings - Includes incidental outside work. NO power line construction or pole work. NO burglar or fire alarm system, generator, electrical machinery or auxiliary apparatus work. NO work over 480 volts.
94007	Excavation - Max. depth 12 ft. NO Public street, road, highway, agricultural or building demolition other than outbuildings. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
94276	Fence Erection - Applies to risks that install or erect fences - metal or wood. Includes wooden or metal mailbox installation and real estate sign installation. NO sound barrier fencing. NO child-safety fences or electrically charged fencing. Automated gates acceptable.
94569	Floor Covering - No Tile - No dealers. Installation of carpeting, laminate and hardwood flooring. -- Ceramic tile, stone, marble or terrazzo work should be separately classified as Tile.
95410	Grading - No Public street, road or highway work. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
95647	Heat/AC no LPG - Sales, installation, service or repair of heating or combined heating and air conditioning systems or equipment. Incidential LPG equipment sales or work allowed, up to 5% of receipts.
96053	House Furnishing Installation - Residential Only. Includes installation of pictures, mirrors, window treatments and closet organizers. NO furniture repair or moving services. For residential appliance installation see 91155.
96816	Janitorial - Commercial - COMMERCIAL OFFICES ONLY – NO residential exposures, model homes, retail work or sales of chemicals or cleaning supplies. NO work in banks, medical or dental offices. Only 100% Service/Repair and/or Commercial risks permitted in this class.
97047	Landscaping Gardening - Landscape Maintenance & Gardening - Basic landscape/lawn care service - mowing, mulching, planting &/or installation. Over-the-counter fertilizer/weed control ok. Lawn sprinkler installation ok. Tree trimming from ground level allowed if incidental to other landscaping operations.
97447	Masonry - Includes cutting & laying of bricks, block, stone and other unit masonry or clay product and mortar work. Retaining walls over 6 feet not allowed BUT perimeter wall over 6 feet ok. NO street, road or highway walls or work. NO exterior work on buildings exceeding 3 stories or cast-in-place concrete work. NO fireplace or chimney work allowed.
97650	Metal Erection - Decorative - Decorative - Interior work only, non-structural, office partitions or work stations. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
98304	Paint Exterior (3 stories & Under) - Buildings & appurtenant structures only, including walkways/fences, surface preparation and faux/texture painting. NO waterproofing of foundations or exterior of buildings. NO exterior work on buildings exceeding 3 stories or roof painting. NO work on tanks, street and road or bridges.
98305	Paint Interior - Painting Interior. NO exterior work. NO waterproofing of foundations or exterior of buildings. (Bathtub refinish ok).
98344	Paperhanging - Includes surface preparation, covering walls and ceilings with wallpaper, fabric, vinyl or other wall coverings.
98449	Plaster/Stucco - COMMERCIAL WORK ONLY. NO residential. Excludes Exterior Insulation and Finish Systems (EIFS) work and exterior work on buildings exceeding 3 stories in height. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
98482	Plumbing Commercial - No fire sprinklers or steam boiler work. Includes the installation, service or repair of gas, steam, hot water, pipe or other pipe fittings including building connections. Back flow testing allowed. This class also includes shops and display rooms.
98483	Plumbing Residential - NO New Residential work allowed. Includes the installation, service or repair of gas, steam, hot water, pipe or other pipe fittings including building connections. Back flow testing allowed. This class also includes shops and display rooms.
98502	Prefabricated Building Erection - Intended for light, non-habitational service or outbuildings. NO commercial retail usage. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
98636	Refrigeration Equipment Installation/Service - Installation, service and repair of commercial refrigeration systems. NO wholesale cold storage, manufacturing or food processing plants. Incidental LPG work ok (up to 15% of annual receipts).
99650	Satellite Dish Installation - Service or repair – NO work on buildings exceeding 3 stories in height.
98805	Septic Tank Cleaning - No RV work. NO work below 12 feet. Cleaning of restaurant grease traps ok. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
98806	Septic Tank Installation - No RV, blasting or work below 12 feet. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
98820	Sewer Mains Construction - No work below 12 feet. NO blasting. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
98967	Siding and Gutter Installation - Installation includes soffit/fascia and decorative shutters. NO new residential work. NO spray on siding/roofing/roof flashings or work on buildings exceeding 3 stories. NO EIFS Work. Only 100% Service/Repair and/or Commercial risks permitted in this class.
99004	Sign Painting - No sign erection or work over 2 stories. Only 100% Service/Repair and/or Commercial risks permitted in this class.
99746	Tile/Stone Installation - Tile, Stone, Marble, Mosaic or Terrazzo Work – Installation and repair of these materials to floors, walls or counter-tops. NO swimming pool work or roofing operations.
99946	Water Mains Construction - No work below 12 feet. NO blasting. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.

Ineligible Risks

• Risks with less than two years experience in the applicants trade.
• Risks with operations not specifically listed on program classification & rate schedule.
• Contractors acting in the capacity of a general contractor on new construction, as a builder, project manager or developer.
• Risks which engage in Maritime operations. . Risks which sponsor sporting or social events.
• Risks engaging in the renting or leasing of equipment to others.
• Risks engaging in the selling or manufacturing of products sold under the applicant's name.
• New residential construction of condominiums; townhouses; or "tract housing developments" in which more than 10 houses or dwelling units have been built or are in any stage of development, planning, or construction.
• Construction management for a fee.
• Exterior work exceeding three (3) stories in height.
• Public street, road or highway work.
• Power line construction, burglar or fire alarm system, electrical machinery or auxiliary apparatus work. (Residential alarm pre-wiring ok with no hook up or monitoring)
• Liquefied petroleum gas (LPG) equipment sales or work. (incidental work ok).
• Spraying, tree trimming, tree removal or tree pruning.
• Painting of tanks.
• Fire sprinkler installation or service.
• No sign erection. No sign painting over 2 stories.
• Swimming pool installation, service or repair.
• Removal of any asbestos.
• Roofers
• Risks with OCP (subcontractor) costs greater than $200,000 or more than 50% of annual gross receipts.
• Risks with (in the last 4 years) more than $20,000 incurred losses (including expenses) or more than 2 claims. Construction defect claims please refer to Underwriter.
• Risks involved in water damage, fire damage, or mold damage repair or remediation as the General Contractor.

Underwriting Guidelines

General Liability Coverage

The Victory® Admitted Contractor Program provides general liability coverage for Artisan/trade contractors for both commercial and residential work. It is designed to meet the needs of small artisan contactors conducting business within the trades and construction industry. Credit available for the service, repair & replacement ONLY risks. See the eligible classes for list of construction & service contractors we can write. Contractors are also limited by their size. The maximum allowable exposures are receipts of $1,500,000. Policies may be written for one year and renewed annually. See rating for definition of payrolls.

Limits

• 300,000/300,000/300,000 (Not available in TX or WA)
• 500,000/500,000/500,000
• 500,000/1,000,000/1,000,000
• 1,000,000/1,000,000/1,000,000
• 1,000,000/2,000,000/1,000,000
• 1,000,000/2,000,000/2,000,000

Artisan contractors who perform new construction in tract home subdivisions of up to 10 homes are acceptable! A tract development is defined as - a project or premise in which multiple architecturally identical, nearly-identical, or similar homes are built.

Contractors performing 100% service and repair work for residential and commercial projects are given special consideration in the program. Additionally, we accept small remodeling general contractors, including those who complete room additions.

• AmTrust No Loss Warranty Form in lieu of loss runs on accounts up to $7,500
• Price Indicate Online
• Submit Account Electronically
• Submit accounts over $1,500,000 in receipts on Acord Applications 125 & 126
• Allows up to $200,000 in subs costs but costs must be 50% or less of annual gross receipts. If sub costs are over $200,000 but no more than $400,000, quote the risk in the Non-Admitted Program.
• Additional Insured 49-0116 07-11 (CG 20 10 11/85 equivalent) available for commercial risks. 11/85 Additional Insured's not provided for Residential projects. $500 (fully earned)
• Blanket Additional Insured 49-0108 07-11 for Ongoing Operations included for no additional charge

Rating Information
 

Annual Minimum Premiums
General Liability Limit	Minimum Premium
Occurrence GL form (CG 00 01)	$450 to $750 (varies by state)
Occurrence form with Manifestation  Provision	$400 to $650 (varies by state)

Definition of Payroll Allocation

Owner/Officer Payroll
Includes proprietors, partners, and officers active in the business - except those that exclusively handle Clerical duties. $21,000 minimum payroll for each owner in CA / CO, NM, NV, OR & TX - $25,000 / AR - $19,200 / AZ - $20,000 / ID - $22,000 / OK - $17,300 / UT - $30,700 / WA - $17,800 minimum payroll for each owner. If all owners are clerical or sales the minimum for the state is charged for one owner only (plus any employee payroll)

Employee Payrolls
Includes payroll of employees (except excluded below), clean up workers, tradesmen, casual laborers, leased employees, and labor pool personnel.

Employee Payroll Does Not Include
Proprietors, partners, officers, sales only and clerical office employees.

Examples (California Payroll)
A ** Policy Period 1/1/03-1/1/04
2 owners - 1 sales/clerical and 1 in field is $21,000 minimum for active owner
2 employees - both working their trade in the field paid $43,000. Total payroll used in this submission - $64,000.

B ** Policy Period 1/1/03-1/1/04
1 owner - 1 sales/clerical is $21,000 minimum (must have a $21,000 charge for at least 1 owner as minimum for owners regardless of duties!)
1 employee - Employee is working their trade in the field paid $18,000. Total payroll used in this submission - $39,000.

Explanation of Subcontractors and Their Cost

If subcontractors are used then you will need the total cost of payment to those subcontractors. Also needed will be the operations performed by the subcontractors for the applicant (ie: painting, flooring, etc.).

General Program Information

General Liability Coverage

Premises/Operations with selected limit of insurance including Products/Completed Operations, Personal Injury & Advertising Injury, Fire Damage - $100,000 and Medical Expense - $5,000 coverage is provided on an occurrence basis.

Deductible

Available deductibles range from $0 to $2,500. The deductible applies to property damage and bodily injury on a per claim basis.

Risk Cancelled or Non-renewed by Other Company

Please refer any risk that has been cancelled or non-renewed to Builders & Tradesmen's Insurance Services, Inc. prior to submission. We ask that full information regarding the reason for cancellation or non-renewal and the conditions or preventive steps taken by the applicant be provided.

Audit Basis

General Liability premiums and exposures are subject to final audit. Earned premium for the exposure will be determined at the end of the policy period.

Waiver of Premium

Additional or return premium account balances of $10.00 or less will be waived.

Cancellations

Policies will be cancelled pro rate (without penalties) when policy is cancelled for one of the following reasons.

• At the request of the carrier.
• Nonpayment of premium.
• Insured no longer has a financial or insurable interest in the property or business operation.

When a policy is cancelled for any reason other than outlined above, a short rate penalty of 10% of the pro rate unearned premium will apply.

Payment Options

BTIS financed - BTIS can arrange financing through  Best Choice Premium Finance.
(Financing not available in Arkansas) Full annual premium - The producer may withhold commission and remit net payment in full. Producer financed - The producer may arrange financing with their vendor of choice.

Additional Insured and Certificates of Insurance Guidelines

The Blanket Additional Insured 49-0108(07-11) is available for all risks at no premium charge and will be attached to all policies.

Brokers have the authority to issue Certificates of Insurance and to attach the Blanket Additional Insured Endorsement 49-0108(07-11) to the Certificate. If any special wording is required on the Additional Insured Endorsement, then the request must be submitted to BTIS for issuance.

Form 49-0116(07-11) Scheduled Additional Endorsement (CG2010 11/85 equivalent), is available for a one time fully earned premium of $500 per policy term. The form excludes any residential work.

The CG2037 is available for risks that have specific job of a service and repair nature only:

• Home Depot or Lowes – no A/P.
• Contract directly for the homeowner – no A/P
• Commercial work – no A/P
• Work for a residential GC, contract value under $15K – no A/P
• Work for a residential GC, contract value over $15K – $250 each - note that
  NM uses form CG3212(12-04) and OR uses form CG3263(10-05)

Other Additional Insured Forms Available

 Managers or Lessor of Premise - CG 2011 (01-96)
 State or Political Subdivisions - Permits - CG 2012 (05-09)
 Mortgagee, Assignees or Receiver - CG 2018 (11/85)
 Lessor of Leased Equipment - CG 2028 (07-04)
 Engineers, Architects or Surveyors not engaged by the Named Insured - CG 2032 (07-04)

Reinstatement with a Lapse in Coverage Guidelines

To avoid a lapse in coverage, all outstanding issues must be addressed and/or payments must be received by Builders & Tradesmen's Insurance Services, Inc. prior to the cancellation date.

Frequently Asked Questions

How do I find out more? Use our live support for an immediate response or call your CSR or Underwriter at 916.772.9200. How do I get a quote? An online submission is by far the quickest way to get a quote. This program also offers an instant online price indicator. Can BTIS finance this for me? YES. You can select  Best Choice Premium Financing with this program online by clicking on the binding documents button and then clicking on the view/print agreement button. What should I do if I am having system problems? Use our live support for an immediate response or call your CSR or Underwriter at 916.772.9200. Can I write B licensed contractors in the Victory® Admitted Contractor Program? B licensed contractors that are acting as specific trade contractors or remodelers are eligible. B licensed contractors acting as a general on any New Residential or New Commercial jobs are not eligible (Please submit the others by Acord application by fax to 916.772.9292). What classes that you write are not eligible to do NEW Residential work? We cannot write risks performing NEW residential work performing any of the following   operations: Framing, Concrete Foundations, Plaster, Stucco, Drywall, Plumbing, Siding, or Gutters. How does the Victory® Admitted Contractor Program define NEW Residential work? New residential work is defined as "work being performed on newly constructed properties that are not yet certified for occupancy". NOT included as new work is "remodeling, replacing or adding work". (ex: adding new wiring, adding new cabinetry, new carpet to an existing, occupied structure). How do I bind a policy? Fax requests to bind, including the desired effective date, along with the bind documents requested online (signed by both the agent and the insured) to 916.772.9292. Be sure to indicate which of the 3 payment options you have chosen. To get binding documents, go online and select your submission then click on the blue binding documents button. Binds can also be emailed to our bind team at bindrequest@btisinc.com.

NO COVERAGE IS BOUND WITHOUT PRIOR APPROVAL FROM BUILDERS & TRADEMEN'S INSURANCE SERVICE, INC.(BTIS). BTIS RESERVES THE RIGHT TO DENY ANY REQUEST FOR REINSTATEMENT.