Eligibility

Usually a sole proprietor or small partnership

$2,000 of Business Property coverage is included

Specific building coverage may be added

$1,000 Accounts Receivable coverage included

$500 Exterior Signs coverage included

$1,000 Extra Expense coverage included

$1,000 Loss of Earnings coverage included for 3 months

$1,000 Money and Securities coverage included

$1,000 Tools and Equipment coverage included (may be increased)

Inland Marine specified coverage on Tools can be added

Not for General Contractors

No Work outside of New York State

Sublet work cannot exceed 20% of the total work

Must have three or more years of full time experience in the classification used

Commercial operations may not exceed 20% of the total work

**Liability limited due to Labor Law Section 240 – Scaffolding Act**

Maximum liability coverage is $500,000

No Contractual Liability is permitted

No Additional Insureds may be added

Maximum payroll is $200,000 per year

Maximum Receipts are $500,000 per year

XCU – Explosion, Collapse and Underground – no coverage provided; if part of insured's operations, risk is ineligible for coverage

If any stand-alone roofing work is done, risk is ineligible for coverage

Classes Insured include:

HVAC - No pressure vessels above 15 psi

Cabinet makers

Carpentry – No roofing except integral to a remodel/new build contract

Carpet Cleaners – On premises or off-premises

Electrical Apparatus

Electricians – Excluding alarm installation

Fence Erection

Household Furnishings

Interior Decorating

Janitorial and Cleaning Services

Landscaping and Lawn Care

Masonry work

Nurseries Wholesale and Retail

Painting and Decorating

Painting – Shop

Plastering and Wallboard

Plumbing – Domestic

Sheet Metal Work

Siding Contractors

Upholstering

Insuring Artisan Contractors

**Individuals who perform home repairs, masons, plumbers, etc.**

Eligibility

Usually a sole proprietor or small partnership
$2,000 of Business Property coverage is included
Specific building coverage may be added
$1,000 Accounts Receivable coverage included
$500 Exterior Signs coverage included
$1,000 Extra Expense coverage included
$1,000 Loss of Earnings coverage included for 3 months
$1,000 Money and Securities coverage included
$1,000 Tools and Equipment coverage included (may be increased)
Inland Marine specified coverage on Tools can be added
Not for General Contractors
No Work outside of New York State
Sublet work cannot exceed 20% of the total work
Must have three or more years of full time experience in the classification used
Commercial operations may not exceed 20% of the total work

**Liability limited due to Labor Law Section 240 – Scaffolding Act**

Maximum liability coverage is $500,000
No Contractual Liability is permitted
No Additional Insureds may be added

Maximum payroll is $200,000 per year
Maximum Receipts are $500,000 per year
XCU – Explosion, Collapse and Underground – no coverage provided; if part of insured's operations, risk is ineligible for coverage
If any stand-alone roofing work is done, risk is ineligible for coverage

Classes Insured include:

HVAC - No pressure vessels above 15 psi
Cabinet makers
Carpentry – No roofing except integral to a remodel/new build contract
Carpet Cleaners – On premises or off-premises
Electrical Apparatus
Electricians – Excluding alarm installation
Fence Erection
Household Furnishings
Interior Decorating
Janitorial and Cleaning Services
Landscaping and Lawn Care
Masonry work
Nurseries Wholesale and Retail
Painting and Decorating
Painting – Shop
Plastering and Wallboard
Plumbing – Domestic
Sheet Metal Work
Siding Contractors
Upholstering

Insuring Houses
Insuring Farms
Insuring Artisan Contractors
Insuring Businesses
Insuring Churches
Mobile Home Parks
Insuring Restaurants
Insuring Motels