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 applicants name.
• New residential construction of condominiums; townhouses; or tract housing developments in which more than 15 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
• Spraying, tree trimming, tree removal or tree pruning.
• Painting of tanks.
• Fire sprinkler installation or service.
• Swimming pool installation or repair.
• Removal of any asbestos.
• Roofing work unless incidental to a remodeling project. A C-39 Roofing license is not allowed.
• Risks with OCP (subcontractor) costs greater than $400,000.
• 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 as the General Contractor.

Underwriting Guidelines

General Liability Coverage

The VictoryNon-Admitted Artisan 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 ($2,000,000 for renewals) &/or premium of $15,000.

** Defense Inside the Limits available as an option **

Policies may be written for one year and renewed annually. See Rating for definition of Payrolls. Limits are available as follows:

300,000/300,000/300,000 500,000/500,000/500,000 500,000/1,000,000/1,000,000 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

You can submit artisan contractors who perform new construction in tract home subdivisions of up to 15 homes! 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.

VictoryNon-Admitted gives you options! This program will make your job easier, save you time, and provide your clients with the exact pricing and coverage they demand.

• No Loss Warranty Form in lieu of loss runs on accounts up to $7,500
• Price Indicate Online
• Current Receipts up to $2.0 million for Renewals.
• Submit Account Electronically
• Submit accounts over $1,500,000 (New Business) or $2,000,000 (Renewals) in receipts on an Acord Application to commercialsubs@btisinc.com.)
• Allows up to $400,000 in sub costs. Submit account on an Acord Application if over the $400,000.
• CG 20 10 11/85 equivalent (NX GL 188) available for commercial work. 11/85 Additional Insured's not provided for Residential projects. $500 (fully earned)
• CG 20 10 07/04 equivalent (NX GL 189) is included for no additional charge

Rating Information Annual Minimum Premiums

Annual Minimum Premiums
General Liability Limit	Minimum Premium
Occurrence GL form (CG 00 01)	Varies By State
Occurrence form with Manifestation  Provision	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. Minimum Payroll for each active owner is $17,000. If all owners are clerical or sales then the Minimum Payroll, depending on 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
A ** Policy Period 1/1/2010-1/1/2011
2 owners - 1 in sales/clerical and 1 in the field is $17,000 minimum payroll for the active owner in the field.
2 employees - both working their trade in the field are being paid $43,000. The Total Payroll to use in this submission is $60,000.

B ** Policy Period 1/1/2010-1/1/2011
1 owner – 1 sales/clerical is $17,000 minimum payroll (must have a charge of $17,000 for at least 1 owner, regardless of duties!)
1 employee – employee is working their trade in the field and is being paid $18,000. The Total Payroll to use in this submission is $35,000.

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).

All subcontractors must name the applicant as an additional insured(AI) on the subcontractors policies (provide the applicant with an AI and Certificate showing this) and carry limits of insurance at least equal to or greater then our insured’s limits.

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 the following reasons:

When a policy is cancelled for any reason other than outlined above, it will be cancelled on a short rate basis.

Payment Options

BTIS Financed
BTIS can arrange premium financing through  Best Choice Premimum Finance.

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 Guidelines

The NX GL 189 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 NX GL 189 to the Certificate. If any special wording is required on the NX GL 189, then the request must be submitted to BTIS for issuance.

The NX GL 188 Scheduled Additional Insured Endorsement (CG2010 11/85 equivalent) EXCLUDES RESIDENTIAL OPERATIONS, A ONE TIME FULLY EARNED PREMIUM OF $500 WILL APPLY. (STAMP AND TAX APPLIES IF NON ADMITTED)

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 OR uses form CG3263(10-05)

Other Additional Insured Forms Available

 Engineers, Architects or Surveyors not engaged by the Named Insured - CG 2007 (07-04)
 Managers or Lessor of Premise - CG 2011 (01-96)
 State or Political Subdivisions - Permits - CG 2012 (07-98)
 Mortgagee, Assignees or Receiver - CG 2018 (11-85)
 Lessor of Leased Equipment - CG 2028 (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.

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.