• Woodworkers, cabinet makers, or any operation where wood cutting or sawing is taking place is prohibited. Cabinet installation only OK.
• Risks involved in any of the following activities:
  Bridge builder, dredging, equipment rental & leasing to others, manufacturing, mining – surface or underground, oil field work, scrap yard or warehousing.

Can write but needs to be referred to Company (will need details on the following)

• Risks with less than 2 years in business.
• Risks whose insurance has been cancelled.
• Risks who have been in bankruptcy in the past 5 years.
• Risks who have had more than one property or inland marine loss in the past 3 years.
• Risks who have had a loss that exceeded $5,000 paid in the past 3 years.
• Risks who have annual leased or rented equipment expenses in excess of $25,000.
• Risks involved in any of the following activities:
  Auto/truck repair, farming, logging, demolition, reclamation or landfill work, retailing, roofing, underground work or waterborne.
• Risks who rent or own any of the following.
  a. Asphalt plants
  b. Cranes

Underwriting Guidelines

Property

• Property may be added to Inland Marine coverage
• Real property $1,000,000 total insured value
• Contents value $1,000,000
• Business income $450,000

Inland Marine

• Miscellaneous tools & equipment - Max total value $50,000 with $1,000 per item maximum

Contractors Equipment

• Total value of all equipment $1,000,000
• Total insured value any one item $250,000
• Equipment leased or rented from others is available

Installation Floater

• Any one job site $200,000
• At any location other than job site $10,000
• Property in transit $10,000

Computer Systems Coverage

• Total insured value of all covered property (computer + media/data + extra exp.) $50,000
• Extra expense $10,000
• Property at any unnamed premises $5,000

Great American offers coverage for small artisan and service contractors. The program targets those contractors with real property that supports their construction operations. Office and warehouse exposures must represent the majority of the occupancies written. When office or light retail exposures cohabitate with the contractor's office or warehouse occupancies, coverage will be provided. However, high hazard occupancies will not be entertained. Must be written with the general liability coverage. The program offers coverage for contractor's equipment, office contents, installation property and/or electronic data processing equipment exposures.

Rating Information

Annual Minimum Premium

$ 750 - Inland Marine per policy $ 250 - per line of coverage $ 2,500 – Property per policy (Stand alone) $ 1,850 – Property per policy (with Inland Marine coverages included)

General Program Information

Inland Marine & Property Coverages

Office Contents, Miscellaneous Tools and Small Equipment, Computer Systems (Equipment, Data & Media and Extra Expense), Scheduled Equipment (Light, Medium & Heavy), Installation Floater (10,000 minimum value) and Rented/Leased Equipment (from others). Many other coverages available. Please contact us with any questions or unusual circumstances.

Deductible

$1,000 all perils & all coverages.

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

Inland Marine premiums and exposures are not subject to final audit but an inspection will be made after a policy is bound.

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 10% of the pro rate unearned premium will apply.

Payment Options

BTIS financed - BTIS can arrange financing through  Best Choice Premium Finance.
Full annual premium - The producer may withhold commission and remit net payment in full.

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. Evidence of insurance can be provided by the agent.

Additional Insured Guidelines

Typically not applicable to Inland Marine or Property coverages.

Loss Payee & Lenders Loss Payee forms

Available upon request. In most cases, agent can process evidence of coverage or loss payee form in their office.

Renewals

To receive a renewal quote, please submit your Accord forms by fax to 916.772.9292 Attn: Inland Marine Department. Policies will not be renewed unless requested by the insured or producer, along with the appropriate documents and down payment. To avoid a lapse in coverage, payment must be received prior to the expiration date. Payments received after the expiration date will be renewed as effective on the date payment is received by the company (lapse in coverage). Payments received more than 14 days from the expiration date will be returned with no coverage afforded.

Renewals from Manual Submissions

Please contact the Inland Marine Underwriter for details.

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 THE CARRIER. THE CARRIER 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? Completed Acord 125, Acord 126 and/or Acord 140 and Acord 146 if applicable Great American Schedule of Equipment if applicable Fax to 916.772.9292 Questions? ContactContact Mitzi Parisot or Sara Bankert at 916.772.9200 Can BTIS finance this for me? YES. You can select BTIS financing with this program online by "click" on the binding documents button and then "click" on the View/Print agreement button. Print, sign and fax this document with the rest of the binding documents to 916.772.9292. What do 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 this program? As long as they are not performing prohibited operations the B licensed contractors are eligible for the Great American Inland Marine program.