Eligible Classes
Class Code	Description
91111	Air Conditioning - Service only, no installation (for installation use 95647)
91150	Appliance Installation Comm - No residential, apartment. No cutting, slicing equipment
91155	Appliances and Accessories - Installation, servicing and repair of household appliances & accessories. No commercial appliances.
91342	Carpentry - Commercial Only. Includes framing, woodwork, trim, wooden doors, cabinet installation, shelving and rough carp work. NO roofing or exterior work on buildings exceeding 3 stories.
91344	Handyman - No roofing, foundation repair or new construction. Service & repair work only. Maximum $1,000 per job w/license - $500 without license. (Colorado $1,000 max with or without license)
91341	Interior - Finish carp, cabinet installation, only. No interior room remodel (use 91340)
91340	Residential Only. Includes structural and non-structural remodeling and repair. All roofing work must be subcontracted. Exterior framing as a subcontractor not allowed. No Exterior work on buildings exceeding 3 stories. Examples: Kitchen & bathroom remodeling & decking. Work also may include adding square footage such as a second story or room additions.
91405	Carpet, Rug, Furniture or Upholstery Cleaning - on customer premises only, no shop exposure.
91436	Ceiling or Wall Installation - metal, acoustic
91551	Telephone Equip Installation - wiring, cables & circuits for telephone and communications equip. operating at <50 volts. NO telephone line construction, burglar, fire alarm or emergency systems work
91560	Concrete Construction - Buildings & Dwellings. Includes pouring, placing & finishing concrete. NO residential foundation work, no exterior work on buildings exceeding 3 stories, and no pool construction.
91577	Conduit Construction -installation of communication or electrical encasement. Maximum depth 8 feet.
91629	Debris Removal - No roof tear-off, soft demo or janitorial work.
91746	Door/Millwork Installation - No window work.
92102	Drilling - Water - Private water drilling with limited agricultural exposure. No water quality testing or municipal work.
92215	Driveway, Parking Area or Sidewalk -Includes pouring, placing & finishing of above-grade concrete flatwork, asphalt or paver installation. No street or road work. No grading or excavation other than incidental to paving.
92338	Drywall or Wallboard Installation - Residential service, repair or remodeling only. No New Residential work. New commercial OK. No insulation work.
92478	Electrical Work within Buildings - No power line construction or pole work. No burglar or fire alarm system, electrical machinery or auxiliary apparatus work.
94007	Excavation -Maximum depth 8 feet. No street and road, agricultural or building demo other than outbuildings.
94276	Fence Erection Contractors - No child-safety or electrically charged fencing. Incidental automated gates acceptable. No manufacture of metal fences--erection only with no other welding exposure.
94569	Floor Covering Installation - No dealers. Installation of carpeting, laminate and hardwood flooring. -- Ceramic tile, stone, marble or terrazzo work should be separately classified.
95410	Grading -No street and road or agriculture work. Snow removal ok with no public street, road or Hwy work (driveways and parking lots ok).
95647	Heating and Air Conditioning Systems - No refrigeration, Cold Storage, or liquefied petroleum gas (LPG) equipment sales or work.
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 OFFICES ONLY - No residential exposures, model homes, retail work or sales of chemicals or cleaning supplies.
97047	Landscape Maintenance & Gardening - Basic landscape/lawn care service-mowing, mulching, planting, over-the-counter fertilizer/weed control--NO pesticides, tree trim/removal. Decks, decorative retaining walls, fountain, pond or cement work (other than mow strips) should be separately rated.
97447	Masonry - Residential Only. Includes cutting & laying of bricks, block, stone and other unit masonry or clay product and mortar work- NO exterior work on buildings exceeding 3 stories, chimney or cast-in-place concrete work.
97650	Metal Erection - Decorative - Interior work only, non-structural, office partions or work stations.
98304	Painting Exterior - Buildings & appurtenant structures only, incl. walkways/fences, surface prep & faux/texture painting. NO waterproofing, exterior work on buildings exceeding 3 stories or roof painting. No work on tanks, street and road or bridges.
98305	Painting Interior - no exterior, no waterproofing.
98344	Paperhanging - Includes surface preparation, covering walls and ceilings with wallpaper, fabric, vinyl or other wall coverings.
98449	Plastering or Stucco Work - COMMERCIAL WORK ONLY. No residential. Excludes Exterior Insulation and Finish Systems (EIFS) work and exterior work on buildings exceeding 3 stories in height.
98482	Plumbing Commercial - No fire sprinklers, liquefied petroleum gas (LPG), septic tank, excavation, swimming pools, process piping, public utilities, hospitals or industrial work, or steam/boiler work. Water softener installation, okay to break concrete & repair to install pipes, lay sewer line/pipe drain and use ditch witch for underground lines (apartments allowed). Lawn sprinklers installation ok. Only 100% Service/Repair and/or Commercial risks permitted in this class.
98483	Plumbing Residential - NO New Residential work allowed. Water softener installation, okay to break concrete & repair to install pipes, lay sewer line/pipe drain and use ditch witch for underground lines. Lawn sprinklers installation ok. Only 100% Service/Repair and/or Commercial risks permitted in this class.
98502	Prefabricated Building Erection - Intended for light , non-habitational service or outbuildings. No commercial retail usage.
98636	Refrigeration Equipment - Installation, service and repair of commercial refrigeration systems. No Wholesale cold storage, liquefied petroleum gas (LPG) equipment sales or work.
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 8 feet
98806	Septic Tank Installation -No RV, blasting or work below 8 feet.
98820	Sewer Mains Construction - No work below 8 feet. No blasting.
98967	Siding and Gutter - Installation includes soffit/fascia and decorative shutters. No spray on siding/roofing/roof flashings or work on buildings exceeding 3 stories. Only 100% Service/Repair and/or Commercial risks permitted in this class.
99004	Sign Painting - No sign erection or work over 2 stories.
99746	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 8 feet. No blasting.

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; apartments; 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.
• Sign erection or sign work above the first floor.
• Swimming pool installation, service or repair.
• Removal of any asbestos.
• Roofing work, including, but not limited to, installation or repair of roof flashings, shingles, roof coatings or paint. (All roofing work MUST be subcontracted out)
• Risks with OCP (subcontractor) costs greater than $200,000 or more than 50% of annual gross receipts. (NSLIC allows up to $400,000 sub costs with no 50% restriction - California only)
• 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

UNDERWRITING GUIDELINES

General Liability Coverage

Victory 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. Premium maximums differ by state (AZ - $7,500 / CA - $15,000 / CO - $15,000 / NV - $10,000 / OR - $10,000 / WA - 15,000).

Policies may be written for one year and renewed annually. See Rating for definition of Payrolls. Limits available are 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 limits are available for contractors performing at least 80% commercial work and not more than 20% residential work.

You can submit artisan contractors who perform new construction in tract home subdivisions of up to 10 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.

Victory 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.

• Navigators 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 Apps 125 & 126.
• Allows up to $200,000 in subs costs but costs must be 50% or less of annual gross receipts. Submit account on an Acord App if over that.
• CG 20 10 11/85 available for 100% commercial risks
• CG 20 10 07/04 included for no additional charge

Rating Information
 

Annual Minimum Premiums
General Liability Limit	Minimum Premium
Occurrence GL form (CG 00 01)	$450 to $1000 (varies by state)
Occurrence form with Manifestation  Provision	$450 to $1000 (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. $25,000 minimum payroll for each owner in CA, CO, NV & OR / AZ - $20,000 & 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 $25,000 minimum for active owner
2 employees - both working their trade in the field paid $43,000. Total payroll used in this submission - $68,000.

B ** Policy Period 1/1/03-1/1/04
1 owner - 1 sales/clerical is $25,000 minimum (must have a $25,000 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 - $43,000.

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 additional insured on the subcontractors' policies (provide the applicant with an AI and Certificate showing this) and carry limits of insurance of at least $1,000,000 occurrence and $1,000,000 aggregate.

GENERAL PROGRAM INFORMATION

General Liability Coverage

Premises/Operations with selected limit of insurance including Products/Completed Operations, Personal Injury & Advertising Injury, Fire Damage - $50,000 and Medical Expense - $5,000 coverage is provided on an occurrence basis.

Deductible

$1000 per claim Property Damage & Bodily Injury deductible applies.

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 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:

• At the request of the company;
• 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 penalty of 20% of the pro rate unearned premium will apply.

Payment Options

BTIS financed - BTIS can arrange premium financing.
Full annual premium - The producer may withhold commission and remitnet payment in full.
Producer financed - The producer may arrange financing with their vendor of choice.

Certificates of Insurance

If adding as additional insured OR special wording is required on the Certificate, such request must be referred to BTIS for approval. All additional insured endorsements must be requested on BTIS' website at www.btisinc.com.

Additional Insured Guidelines

There is no service charge for additional insured endorsements.

Brokers have no authority to issue additional insured certificates. All endorsements must be issued by, and approved by, Builders & Tradesmen's Insurance Services, Inc.

The ANF-ES 160 form is available for risks performing 85% or more commercial work ($500 fully earned flat charge).

The ANF-ES 043 is available for all risks at no premium charge and will be attached to all policies.

Other Additional Insured forms available

 Lessor of Leased Equipment, CG2028 (11-85)
 Managers or Lessor of Premise, CG 2011(11/85)
 State or Political Subdivisions -Permits, CG2012 (07/98)
 Engineers, Architects or Surveyors not engaged by the Named Insured. CG2007 (01/96)
 Mortgagee, Assignees or Receiver - CG2018 (11/85)

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 prior to the cancellation date.

NO COVERAGE IS BOUND WITHOUT PRIOR APPROVAL FROM NAVIGATORS. NAVIGATORS RESERVES THE RIGHT TO DENY ANY REQUEST FOR REINSTATEMENT.

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. You can also price indicate in Victory. Can BTIS finance this for me? YES. You can select BTIS financing with this program online by "clicking" on the binding documents button and then "clicking" on the View/Print agreement button. Detailed instructions are available in our system as well! If I am having systemproblems, what do I do? 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 Victory?B licensed contractors that are acting as specific trade contractors or remodelers are eligible for the Victory program. 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, or Drywall. How does Victory 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 over your request 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. You must also submit proof of payment in the form of your check, the client's check, or a signed finance agreement. To get to your binding documents, go online and select your submission then click on the blue binding documents button.