The Contractors Program is designed for contractors engaged in building construction, maintenance, or repair; contractors with a special trade; and service contractors who provide a service but do not build or construct. Contractors may sub-contract up to 80% of their gross annual receipts. The program is NOT intended for "paper" general contractors.

Contractors License

A valid contractor's license is required for those trades where licensure exists. We will accept unlicensed Handyman Repair provided individual contract jobs do not exceed $500.00 in cost. (A handyman is defined as a one-person operation with no employees, no sub-contracting, 100% repairs, and not specializing in any trade.)

Contractors who also hold a license for a trade that is ineligible for the program cannot be considered due to the exposure of past, present or future work performed under that license. We can reconsider if:

• The insured can provide a statement that they have performed no work under that license for the past 10 years,
• And de-activate it with the Contractors License Board.

Eligibility

Applicants who meet the following eligibility requirements may be submitted:

• Contractors involved in residential home building.
• Applicants who own other non-contracting or ineligible contracting businesses, including risks not covered under this Policy, subject to:
  • Operating under the same legal entity name, will be acceptable with an exclusion for such operations:
    • ISO Exclusion CG 21 00 07 98 applies to non-contracting operations and,
    • CG 21 53 01 96 applies to other contracting operations.
• Applicants involved with OCIP/Wrap up projects will have such operations excluded under our policy.
• Applicants must have a minimum of:
  • Two (2) years experience in the trade(s) to be covered
  • Information outlining the insureds qualifications, and
  • Explanation will be required where the length of trade experience is unclear.
• Applicants who sub-contract no more than 80% of their gross receipts.
• We will consider General Contractors who build no more than seventy-five (75) custom single-family homes per year as long as they do not subcontract more than 80% of their gross receipts.
  • "Custom homes" are those constructed for a specific owner.
  • " Speculative homes ", or " owner-builder " residences, occupied or intended for occupancy by the applicant less than one year are NOT eligible.

Sub-Contractors
Any contractor using sub-contracted work must meet the following criteria:

• The sub-contractor must hold a valid contractors license for the trades to be performed.
• The sub-contractor must provide evidence of General Liability coverage for limits equal to or greater than the insured (minimum $1,000,000 CSL Occurrence and Aggregate for roofing sub-contracting).
• The sub-contractor must provide evidence of Workers' Compensation covering its employees, if applicable.