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Home Builders, Structural
Remodelers & Commercial GC Program
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- A X rated carrier
- Minimum premium varies per
state
- Available in 4 states
AZ,CA,NV & OR. More to follow!!
- Occurrence form (Sunset
& Manifestation available!)
- Paper General Contractors
Acceptable (100% subcontracted ok)
- Service/Repair & Common
Area work on Apts. & Condominiums
- Payroll & receipts have
no limitations
- CG2010 11/85 or equivalent
is available for Commercial only contractors
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Welcome to
the Best Choice Artisan Program for Home
Builders, Structural Remodelers & Commercial
General Contractors. This program is also
designed for those artisan subcontractors
working in the 37 Classes listed below whose sub
costs exceed $200,000, go over the maximum
premium or maximum receipts of our Online
Artisan Program. This General Liability Program
is for Large Construction Accounts is designed
for commercial contractors, large artisan
commercial & residential contractors,
general contractors and homebuilders. We are
currently writing business in Arizona,
California, Oregon and Nevada, with other
Western States to follow.
Targeted Eligible
Classes:
Concrete - Including
Foundations
Custom Home Builders
Large Commercial
Contractors (including GC's)
Excavation & Grading
Heating & Air
Conditioning
Structural Steel
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[ TOP ]  |
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| Eligible
Classes |
|
Description /
Operations |
| Artisans working on
residential tracts - MP
Required |
| Air Conditioning
|
| Appliance Installation
Comm'L -No residential, apartment.
No cutting, slicing equipment. |
| Appliances and Accessories
- Installation, servicing and
repair of household appliances &
accessories. No commercial
appliances. |
| Carpentry
|
| Carpet, Rug, Furniture or
Upholstery Cleaning - on customer
premises only, no shop
exposure.) |
| Ceiling or Wall
Installation - metal,
acoustic. |
| Communication/ 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. |
| Concrete Construction
- Buildings & Dwellings.
Includes pouring, placing & finishing
concrete. NO foundations or exterior work on
buildings exceeding 3 stories, pool
construction. |
| Conduit Construction
- installation of
communication or electrical encasement. Maximum
depth 8 feet. |
| Debris Removal -
No
roof tear-off, soft demo or janitorial
work. |
| Door/Millwork Installation
- No window work.. |
| Drilling - Water -
Private water drilling with
limited agricultural exposure. No water quality
testing or municipal work. |
| Debris Removal -
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. |
| Drywall or Wallboard
Installation - Private waterResidential
service and repair only. New commercial OK. No
insulation work. |
| Electrical Work within
Buildings - Private waterno exposure
outside of building including power line
construction or pole work. No burglar or fire
alarm system, electrical machinery or auxiliary
apparatus work. |
| Excavation - Private
waterMaximum depth 8 feet. No street and road,
agricultural or building demo other than
outbuildings. |
| Fence Erection Contractors
- Private waterNo
child-safety or electrically charged fencing.
Incidental automated gates acceptable. No
manufacture of metal fences-erection only with
no other welding exposure. |
| Floor Covering Installation
- Private waterNo dealers.
Installation of carpeting, laminate and hardwood
flooring. -- Ceramic tile, stone, marble or
terrazzo work should be separately
classified. |
| Framers - Private
waterCustom Home - No Tract |
| General Building
Contractors (GC's) - Commercial
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| General Building
Contractors or Residential Homebuilders(GC's)
- Private waterNot more than
15 homes in any one tract. |
| Grading - Private
waterNo street and road or agriculture
work. |
| Heating and Air
Conditioning Systems -Private
water No refrigeration, Cold Storage, or
liquefied petroleum gas (LPG) equipment sales or
work. |
| 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.
|
| Infrastructure Work
- Curb to curb only in
residential developments-applies to street and
road and sewer and water contractors; perimeter
fencing & sidewalks. |
| Janitorial - COMMERCIAL
OFFICES ONLY - No residential exposures, model
homes, retail work or sales of chemicals or
cleaning supplies. |
| 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. |
| 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. |
| Metal Erection -
Decorative - Interior work
only, non-structural, office partitions or work
stations. |
| New Ventures with no prior
coverages ok. |
| 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. |
| Painting Interior
- no exterior, no
waterproofing. |
| Paperhanging -
Includes surface
preparation, covering walls and ceilings with
wallpaper, fabric, vinyl or other wall
coverings. |
| 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. |
| Prefabricated Building
Erection - Intended for light ,
non-habitational service or outbuildings. No
commercial retail usage. |
| Refrigeration Equipment
- Installation, service and
repair of commercial refrigeration systems. No
Wholesale cold storage, liquefied petroleum gas
(LPG) equipment sales or work. |
| Roofers |
| Satellite Dish Installation
- Service or repair - No
work on buildings exceeding 3 stories in
height. |
| Septic Tank Cleaning
- No RV
work. |
| Septic Tank Installation
- No RV, blasting or work
below 10 feet. |
| Sewer & Water Mains
Construction - No work below 10 feet. No
blasting. |
| Swimming Pool Maintenance
- No new or remodel pool
work, nor repair of equipment. Replacement of
filter and water treatment
only. |
| 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. |
[ TOP ] 
Ineligible
Risks
- Minimum 3 years in
business; if new venture, they must show prior
construction management experience in the field
in which the submission is being considered.
- Risks which engage in
Maritime operations. o Risks which sponsor
sporting or social events.
- Risks engaging in the
renting or leasing of equipment to
others.without operators
- Risks engaging in the
selling or manufacturing of products sold under
the applicant's name.
- New ground up construction
of condos, town homes, university dorms, nursing
homes and assisted living are ineligible.
Service and repair work on nursing homes,
assisted living, town homes and condos are
allowed (if for individual unit owners for
condos/ town homes).
- Construction management for
a fee.
- Exterior work exceeding
three (3) stories in height.
- Power line construction,
burglar or fire alarm system, fire sprinkler
installation or service, 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.
- Swimming pool contractors
- Removal of any asbestos.
- Risks with a cumulative
loss ratio on GL of no more than 45% in the past
5 complete policy years. Construction defect
claims please refer to Underwriter.
- Risks with a cumulative
loss ratio on GL of no more than 45% in the past
5 complete policy years. Construction defect
claims please refer to Underwriter.
- Risks
involved in water damage, fire damage, or mold
damage
[ TOP ] 
UNDERWRITING
GUIDELINES
General Liability
Coverage
This Larger Artisan
/General Contractor program is designed to take
the risks that are too large for the Victory
Small Artisan program and it fills the need
admirably.
- Ground Up Apartment
work ok in many classes
- Blanket Waiver
available
- Primary and
Non-Contributory wording available
- Per Project aggregate
and Employee benefits available
-
No limits for Payroll or Receipts
-
Unlimited subcontractors
costs
- CG 20 10 11/85
available for 100% commercial risks
- CG 20 10 07/04 included
for no additional charge
[ TOP ] 
Rating
Iinformation
Annual Minimum Premiums--
Varies by state and by
operations.
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. If all owners are clerical or
sales then $25,000 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
1/1/03-1/1/04 2 owners - 1 sales/clerical
and 1 in field is $25,000 minimum for active
owner 10 employees -
both working their trade in the field paid
$200,000. Total payroll used in this submission
- $225,000.
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!) 4 employee - Employee is
working their trade in the field paid $100,000.
Total payroll used in this submission -
$125,000.
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 $500,000
occurrence and $500,000 aggregate.
[ TOP
] 
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.
Higher deductibles can be requested.
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 remit net
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. The CG2010
(11/85) form is available for risks performing
100% commercial work ($500 flat charge). Brokers
have no authority to issue additional insured
certificates. All certificates must be issued
by, and approved by, Builders & Tradesmen's
Insurance Services. The additional insured is
not official until you receive the actual
Victory endorsement. Once BTIS has added it to
the policy, you should receive it within a week.
Once you receive the ok from BTIS you may issue
a certificate of Insurance to satisfy the
Certificate Holder's needs.
AI forms
available:
1. Lessor of Leased
Equipment, Form CG2028 (11-85) 2. Managers or
Lessor of Premise, Form CG 2011(11/85) 3.
Owners, Lessee or Contractors - Form B, Form
CG2010 (07/04) 4. The CG2010 (11/85) form is
available for risks performing 100% commercial
work ($500 flat charge). 5. State or Political
Subdivisions - Permits, Form CG2012 (07/98) 6.
Engineers, Architects or Surveyors not engaged
by the Named Insured. Form CG2007 (01/96) 7.
Mortgagee, Assignees or Receiver - Form 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
Builders & Trademen's Insurance Services.
Builders & Tradesmen's
Insurance Services RESERVES THE RIGHT TO DENY
ANY REQUEST FOR
REINSTATEMENT.
[ TOP ] 
| Frequently Asked Questions
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How do I find
out more? Use our live support for an
immediate response or call your CSR or
Underwriter at 916.772.9200.
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How do I get
a Quote?
- Complete
an Acord Application 125 & 126.
- Complete a
Navigators Supplemental Questionnaire
- 4 Years
Hard Copy Loss Runs.
- Current
work on hand schedule and copy of recently
executed insured subcontracting agreement.
- Fax above
forms to us at 916.772.9292.
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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!
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If I am having system
problems, what do I do? Use our live support for an
immediate response or call your CSR or
Underwriter at 916-772-9200.
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Can I write B
licensed contractors in this
program? This program
is designed with B licensed General Contractors
in mind. Along with the larger Artisan
Contractors. |
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).
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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.
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[ TOP ] 
Edition
8/23/07
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| This information is provided as a guideline only and is
subject to change with or without notice. |
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