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 applicant's name.
• New residential construction of condominiums; townhouses; 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, 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.
• 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 $200,000 or more than 50% of annual gross receipts. (NSLIC allows up to $400,000 sub costs with no 50% restriction - California and Oregon only)
• 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.

Underwriting Guidelines

General Liability Coverage

The Victory® Admitted 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. Maximum premium varies by state (AR - $7,500 / AZ - $7,500 / CA - $15,000 / CO - $15,000 / ID - $7,500 / NM - $7,500 / NV - $10,000 / OK - $15,000 / OR - $10,000 / TX - $12,500 / UT - $15,000 / WA - $15,000).

Policies may be written for one year and renewed annually. See rating for definition of payrolls.

Limits

• 300,000/300,000/300,000 (CA, NV, OK & OR only)
• 500,000/500,000/500,000
• 500,000/1,000,000/1,000,000
• 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

Artisan contractors who perform new construction in tract home subdivisions of up to 10 homes are acceptable! 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.

• 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 Acord Applications 125 & 126
• Allows up to $200,000 in subs costs but costs must be 50% or less of annual gross receipts. Submit accounts that exceed these limits on on Acord Applications 125 & 126
• CG 20 10 11/85 available for commercial risks. 11/85 Additional Insured's not provided for Residential projects. $500 (fully earned)
• CG 20 10 07/04 included for no additional charge

Rating Information
 

Annual Minimum Premiums
General Liability Limit	Minimum Premium
Occurrence GL form (CG 00 01)	$450 to $1000 (varies by state)
Occurrence form with Manifestation  Provision	$450 to $750 (varies by state)

Definition of Payroll Allocation

Owner/Officer Payroll
Includes proprietors, partners, and officers active in the business - except those that exclusively handle Clerical duties. $21,000 minimum payroll for each owner in CA / CO, NM, NV, OR & TX - $25,000 / AR - $19,200 / AZ - $20,000 / ID - $22,000 / OK - $17,300 / UT - $30,700 / WA - $17,800 minimum payroll for each owner. If all owners are clerical or sales the minimum for the state 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 (California Payroll)
A ** Policy Period 1/1/03-1/1/04
2 owners - 1 sales/clerical and 1 in field is $21,000 minimum for active owner
2 employees - both working their trade in the field paid $43,000. Total payroll used in this submission - $64,000.

B ** Policy Period 1/1/03-1/1/04
1 owner - 1 sales/clerical is $21,000 minimum (must have a $21,000 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 - $39,000.

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.).

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

Available deductibles range from $0 to $2,500. The deductible applies to property damage and bodily injury on a per claim basis.

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, Inc. 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 one of the following reasons.

• At the request of the carrier.
• 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 short rate penalty of 10% of the pro rate unearned premium will apply.

Payment Options

BTIS financed - BTIS can arrange financing through  Best Choice Premium Finance.
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 an additional insured endorsement OR special wording is required on the certificate, the request must be referred to Builders Trademen's Insurance Services, Inc. for approval. All additional insured endorsements must be requested on our website.

Additional Insured Guidelines

The ANF-ES 043 is available for all risks at no premium charge and will be attached to all policies.

Brokers have the authority to issue Certificates of Insurance and to attach the Blanket Additional Insured Endorsement ANF ES 043 to the Certificate. If any special wording is required on the ANF ES 043, then the request must be submitted to BTIS for issuance.

The ANF-ES 160 01/11 Scheduled Additional Insured Endorsement (CG2010 11/85 equivalent) EXCLUDES RESIDENTIAL OPERATIONS, A ONE TIME FULLY EARNED PREMIUM OF $500 WILL APPLY.
(STAMP AND TAX APPLIES IF NON ADMITTED)

The CG2037 is available for risks that have specific job of a service and repair nature only:

• Home Depot or Lowes – no A/P.
• Contract directly for the homeowner – no A/P
• Commercial work – no A/P
• Work for a residential GC, contract value under $15K – no A/P
• Work for a residential GC, contract value over $15K – $250 each - note that
  NM uses form CG3212(12-04) and OR uses form CG3263(10-05)

Other Additional Insured Forms Available

 Lessor of Leased Equipment, CG2028 (11-85)
 Managers or Lessor of Premise, CG 2011(11/85)
 State or Political Subdivisions -Permits, CG2012 (07/98)
 Engineers, Architects or Surveyors not engaged by the Named Insured. CG2007 (01/96)
 Mortgagee, Assignees or Receiver - 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, Inc. prior to the cancellation date.

NO COVERAGE IS BOUND WITHOUT PRIOR APPROVAL FROM BUILDERS & TRADEMEN'S INSURANCE SERVICE, INC.(BTIS). BTIS RESERVES THE RIGHT TO DENY ANY REQUEST FOR REINSTATEMENT.

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. This program also offers an instant online price indicator. Can BTIS finance this for me? YES. You can select  Best Choice Premium Financing with this program online by clicking on the binding documents button and then clicking on the view/print agreement button. What should I do if I am having system problems? 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 the Victory® Admitted Contractor Program? B licensed contractors that are acting as specific trade contractors or remodelers are eligible. 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, Drywall, Plumbing, Siding, or Gutters. How does the Victory® Admitted Contractor Program 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 requests 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. To get binding documents, go online and select your submission then click on the blue binding documents button. Binds can also be emailed to our bind team at bindrequest@btisinc.com.