Target Classes
Athletic Equipment Auto Parts Boats Clothing Commercial Generals Concrete Cosmetics Demo/Wrecking Drywall Electronics Exercise Equipment Flooring/Ceiling Food Products	Furniture Glaziers/Window Golf Carts HVAC Machinery Medical Products Millwrights Painters Plumbers Remodelers Roofers Swimming Pools Toys/Games
We will also consider contractors with projects covered by WRAPs, subs working in new apartments (no unit limitation) and general contractors building new apartment buildings with no more than 200 units in the entire complex.

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Submission Requirements

Please fax submissions to Brandy Ahearn at 916.772.9292 or email submissions to commercialsubs@btisinc.com. Acords 125 & 126 Vela Supplemental Application Loss Runs (If available) Brochure and/or website (Product risks only) Submissions subject to current underwriting requirements.

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Underwriting Guidelines

GREAT NEWS! We can offer completed operations to additional insureds for residential projects! (Cost will be determined by your underwriter) Contracting minimum premiums starting at $15,000 Products minimum premiums $7,500 Maximum limits available: $1,000,000 Each Occurrence $2,000,000 General Aggregate $2,000,000 Prod/Comp Ops $1,000,000 Pers/Adv Injury Minimum deductible for contractors: $5,000 (per claim) Minimum deductible for products: $2,500 (per claim) Per occurrence deductibles available: Off site WRAP coverage for additional insureds Project specific policies up to 24 months Up to 75 units in new tracts for all sub contractors New residential home builders (10 starts max per policy term) Apartments are considered commercial projects Apartment unit limitation increased to 200 for general contractors Option to remove earth movement on commercial contractor Allowing limited earth movement on residential contractor Optional course of roofing endorsement available

Ineligible Risks

New construction in tracts with more than 75 homes in the entire development General contractors building new apartments with more than 200 units New construction in condos/townhouses (commercial or residential) OL & T driven accounts Any risk with frequency of loss Roofers with any torch down or hot process modified bitumen exposure Vitamin/food supplements EIFS work (will consider if subbed out) Mold remediation contractors (will consider if sub-contracted)

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Binding Requirements

We will need the following forms completed and signed in order to finalize an application and bind coverage. All of these forms are available for download on our Forms & Applications page. We must receive all required items within the time frame specified by your underwriter or a notice of cancellation will be issued. Acords 125 & 126 Vela Supplemental Application Terrorism Form D-1 Form SL-2 Form - Diligent Search Report (CA Only) Loss Runs (Requirements vary by risk)

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Edition 03/13/09