NSLIC


	NEW!!! Sub Costs up to $400,000
	Commercial Foundations OK. Residential foundation work for Homes Custom orAdditions OK.
	No Subcontracting Costs to Receipts ratio Restrictions.
	Defense Inside the Limits available as an option
	California only at this time
	A X rated carrier
	$750 minimum premium
	Occurrence form(Sunset & optional Manifestation Condominiums
	Artisan new remodeling & Service work ok for Residential & Commercial
	Service/Repair for Condos and Townhomes is ok if hired by the unit owner. Common area work for the Association, other than living units, is ok.
	Receipts up to $1.5 million
	Payroll up to $500,000
	Up to $15,000 in GL Premium
	Non Admitted Program

What'sNew

Eligible Classes

Ineligible Risks

NSLIC Policy Forms Exclusions

Underwriting Guidelines

Rating Information

General Program Information

Frequently Asked Questions

NSLIC now offers a Prior Works option for applicants previously covered by a Manifestation policy - we can adjust the prior completed work exclusion for up to two years at a charge of 100%.
The NSLIC artisan contractor program has been expanded and can now accept risks with up to $400,000 in subcontractor costs! We now accept risks with over 50% Subcontracting Costs to Annual Gross Receipts ratio (The restriction has been deleted on NSLIC).

Eligible Classes

Class Code Description

91111 Air Conditioning - Service only, no installation (for installation use 95647)

91127 Alarms and Security Systems - Residential and Commercial - Alarm installation, sales and repairs. No fire suppression systems. No monitoring of alarms. No sales without installation.

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, repair only. Maximum $1,000 per job.

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

91481 Chimney Cleaning - Cleaning of residential chimneys. No commercial cleaning

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. Patios, pads, walkways, mow strips, driveways ok. Commercial Foundations OK. Residential foundation work for Custom Homes or Additions OK. No exterior work on buildings exceeding 3 stories, and no pool construction, no public street, road or highway work.

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.

92339 Drywall - Residential - Drywall or Wallboard Installation - New Residential. 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.

92451 Electrical Apparatus - outside buildings - Electrical Work outside Buildings - Includes cable, communications, electrical work, lighting and telecommunication work. No power line construction or burglary or fire system work.

94007 Excavation - Maximum depth 10 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.

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 10 feet

98806 Septic Tank Installation - No RV, blasting or work below 10 feet.

98820 Sewer Mains Construction - No work below 10 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 10 feet. No blasting.

99975 Window Cleaning - Window cleaning service. No tinting of windows allowed or work over 3 stories in height.

49840 Window Decorating - Decorating of commercial windows. No tinting allowed or work over 3 stories in height.

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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; 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 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 $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

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UNDERWRITING GUIDELINES

General Liability Coverage

The NSLIC 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 &/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 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 to 80% commercial contractors.

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..

NSLIC 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 an Acord App
Allows up to $400,000 in sub costs. Submit account on an Acord App if over the $400,000.
CG 20 10 11/85 equivalent (ANF 160A) - CA form is available for risks performing 85% commercial work ($500 flat charge)
CG 20 10 07/04 equivalent (ANF-ES 043) is included for no additional charge

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Rating Information

Annual Minimum Premiums

Annual Minimum Premiums

General Liability Limit Minimum Premium

Occurrence GL form (CG 00 01) $1,000

Occurrence form with Manifestation Provision $750

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
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 $500,000 occurrence and $500,000 aggregate.

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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 & Tradesmens 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 2. Managers or Lessor of Premise, Form CG 2011 3. Owners, Lessee or Contractors - Form B, Form CG20 10 07/04 equivalent (ANF-ES 043) 4. The CG2010 (11/85) equivalent (ANF 160A) - CA form is available for risks performing 85% commercial work ($500 flat charge) 5. State or Political Subdivisions - Permits, Form CG2012 6. Engineers, Architects or Surveyors not engaged by the Named Insured. Form CG2007 7. Mortgagee, Assignees or Receiver - Form CG2018

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 & Tradesmens 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.

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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 system problems, 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 NSLIC 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 clients 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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Edition 10/27/07