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New!! OK for Most of the Class Codes Accepted in our Victory® Non-Admitted AND Certified Contractor Programs. |
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Admitted Carrier Rated A X By A.M.
Best Co. |
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Available in California Only
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$650 Minimum Premium for Most Classes |
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OK for All Class Codes Accepted in our Victory®
Artisan Contractor Program |
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Can Write Over Commercial Auto. Restrictions
Apply |
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$1 Million to $5 Million Limits Available |
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Online Price Indications & Submissions |
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Our Victory® Excess Program is the perfect match to our 3 Victory® General Liability Contractor Programs. The Victory® Excess Program is underwritten by an Admitted Carrier rated A X by A.M. Best Co. This program offers online price indications and submissions and is available in California. Please see below for more information.
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| Underwriting
Guidelines
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| This Excess Program provides coverages for a wide variety of
operations including construction operations. Policies may be written for one
year, and in some circumstances written short term or longer than a year -
Please contact underwriter for more information.
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Eligibility & Underlying Insurance Requirements
This Program is only limited to offering contractors general liability excess coverage options for those accounts written in the 3 small artisan Victory GL programs. Accounts written in the Victory Non-Admitted AND Victory Certified programs are now eligible!!! Some classes are excluded but will be offered in the very near future.
Auto can only be written in conjunction with contractors
general liability excess. If Navigators writes the primary auto, it also
qualifies for excess coverage. If the auto coverage is written by another
carrier, the following criteria must be met:
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Minimum auto liability limits $1,000,000
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Underlying carrier must have a minimum Best rating of B+ or A VII
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Verification that there has never been a single loss of $50,000 or more, or
annual total losses over $100,000 in any one year for the last 4 years. This
verification must be in file.
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10 or less automotive power units and a radius of operations less than 100
miles. No Extra Heavy Trucks, Tractor Trailers, or owned/non-owned delivery
exposures.
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Auto contemplates no coverage for UM. Signed UM/UIM rejection forms should be
in the file when required by law. If UM coverage is desired, please refer.
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Employers liability can only be written in conjunction with
contractors general liability excess. Underlying carrier must have a minimum
Best rating of A-V.
Note: Coverage may be written in excess of State Workers Compensation Assigned
Risk Plans and in excess of the following funds and associations: Alabama
Self-Insured Workers Comp Fund FCCI Florida Retail Federation Self-Insurers'
Fund Occupational Safety Association of Alabama PBOA State Compensation Fund of
Arizona (SCF) State Compensation Insurance Fund of California (SCIF) State
Workmen's Insurance Fund of Pennsylvania (SWIF) Texas Mutual Insurance Company
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The minimum underlying limits required for Excess Liability
coverage are:
Automobile Liability
Each Accident
$
1,000,000
General Liability
Each Occurrence
$
1,000,000
General Aggregate
$
2,000,000
Prod/Comp Ops
Aggregate
$ 1,000,000
Workers' Compensation and Employers Liability
Each
Accident
$ 1,000,000
Each Employee
(Disease)
$ 1,000,000
Policy Limit
(Disease)
$ 1,000,000
Outside
CA
$ 500/500/500
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| Eligible
Classes |
| Class Code |
Description |
| 91111 |
Air Conditioning - Service only, no
installation (for installation use 95647) |
| 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 |
Carpentry - Handyman - No roofing, foundation
repair or new construction. Service & repair work only. Maximum $1,000 per
job w/license - $500 without license. Arizona, Colorado, Nevada & Texas
$1,000 max with or without license.
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| 91341 |
Carpentry - Interior - Finish carp, cabinet
installation, only. No interior room remodel (use 91340) |
| 91340 |
Carpentry - 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 |
| 91551 |
Communications/Telephone Equipment 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. NO residential
foundation work, no exterior work on buildings exceeding 3 stories, and no pool
construction |
| 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. |
| 92478 |
Electrical Work within Buildings - No power
line construction or pole work. No burglar or fire alarm system, electrical
machinery or auxiliary apparatus work.
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| 94007 |
Excavation -Maximum depth 8 feet. No street
and road, agricultural or building demo other than outbuildings.
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| 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.
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| 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 highway 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 - 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. |
| 98449 |
Plastering or Stucco Work - COMMERCIAL WORK
ONLY. No residential. Excludes Exterior Insulation and Finish Systems (EIFS)
work and exterior work on buildings exceeding 3 stories in height. Not
Available in CA |
| 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 8 feet |
| 98806 |
Septic Tank Installation -No RV, blasting or
work below 8 feet.
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| 98820 |
Sewer Mains Construction - No work below 8
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 8
feet. No blasting. |
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| General Program
Information
Deductible
Excess policies have no insured retention.
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
Excess premiums and exposures are subject to final audit at the
discretion of the carrier. 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.
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At the request of the company
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Nonpayment of premium
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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 Premimum Finance.
Full annual premium - The producer may
withhold commission and remit net payment in full.
Certificates of Insurance
Certificates of insurance are not issued through the Victory
Excess Program. An Excess policy, subject to it's exclusions, is a following
form policy and will follow the underlying carrier for coverages.
Additional Insured Endorsements
Additional insured endorsements are not issued through the
Victory Excess Program. An Excess policy, subject to it's exclusions, is a
following form policy and will follow the underlying carrier for coverages.
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.
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NO COVERAGE IS BOUND WITHOUT PRIOR APPROVAL FROM BUILDERS & TRADESMEN'S
INSURANCE SERVICES, INC. (BTIS). BTIS RESERVES THE RIGHT TO DENY ANY REQUEST
FOR REINSTATEMENT.
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Frequently Asked Questions
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How do I find out more?
Use our live support for an immediate response or call your
CSR or Underwriter at 916.772.9200.
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How do I get a Quote?
The online price indication process is by far the quickest
way to get a price AND you can quickly submit it if the price is right. If your
account falls outside of the parameters of the online process, you will be
informed that the risk must first be submitted to your underwriter for review
and subject to approval before coverage can be bound.
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Can the excess policy be financed?
Yes, the producer may arrange financing for the excess policy. If the underlying GL policy is financed with Best Choice PFC, please contact the finance company directly to add the excess policy to the existing finance account.
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What do 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.
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Edition 02/23/09
| This information is provided as a guideline only and is
subject to change with or without notice. |
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© Copyright 2013 Builders & Tradesmen's Insurance Services, Inc. • 6610
Sierra College Boulevard • Rocklin, California 95677
Phone: 916.772.9200 - Fax: 916.772.9292 • CDI #0D10271 • All non-admitted
business is placed through LAE Insurance Services, Inc. CDI # 0E44215
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