Artisan Contractors

preferred Classifications

Liability and property protection for the small to mid-size, commercial and residential contractor.

Target Market: Contractors with up to $1,000,000 in payroll, 3 years in business (or prior experience in related field), and up to 25% of annual receipts arising out of subcontracted work.

Frederick Mutual Secure Advantage™ Enhancement Endorsement Highlights:

Primary and Non-Contributory Liability
Per Location Aggregate Coverage

(Frederick Mutual Secure Plus™ Enhancement Endorsement is also available for alternate coverage options and increased limits above base form).

Included Coverage Highlights:

Contractors' Installation Coverage - $3,000 at job site /$5,000 in transit /$5,000 temporary storage
Contractors' Tools & Equipment Coverage (Blanket Limit) - $3,000 / $500 any one item or $2,000 sub limit (limits in excess of $100,000 available)
Non-owned Tools & Equipment Coverage - leased or rented in care, custody, or control
Employees' Tools - $100 per tool / not in excess of $500 for all tools of any one employee

(Contractors' Enhancement Endorsement is under construction with more details coming soon!)

**As an added benefit, FMIC offers Contractors E&O Coverage underwritten by The Hartford Steam Boiler Inspection and Insurance Company! Ask your Underwriter about adding this coverage for your Contractor policyholders!

contractors appetite guide