LIABILITY COVERAGES

Bodily Injury and Property Damage Coverages are available with occurrence limits of $100,000, $300,000, $500,000 or $1,000,000.

• Your business Premises and Operations
• Your Products and Completed Work
• $1,000 coverage for property of others in your care, custody or control without regard to legal liability for loss (a $5,000 limit option is available by endorsement)
• Your exposure for hiring independent contractors
• Premises Medical Payments $5,000 per person
• $50,000 Fire Legal Liability for buildings which you rent
• Contractual Liability
• Explosion, Collapse and Underground Property Damage Hazards*
• Employees as Additional Insureds
• Personal Injury
• Advertising Injury
• Broad Form Property Damage
• Extended Bodily Injury Damage
• 90 Days automatic coverage of Newly Acquired Organizations
• Host Liquor Liability
• Limited Worldwide Liability
• Incidental Medical Malpractice
• Non-owned Watercraft Liability

Optional Liability Coverages

• Non-owned/Hired Automobiles
• Employers Liability (applicable in Ohio only)
• Additional Insureds

* This coverage may be excluded for a reduction in premium for Landscape Gardening and Plumbing Classifications.

CONTRACTORS EQUIPMENT

Scheduled coverage for your equipment valued at $1,000 or more per item.

PORTABLE TOOLS & EQUIPMENT FLOATER

For smaller, unscheduled items under $1,000 in value.

INSTALLATION FLOATER

Covers material, supplies, equipment, machinery and fixtures to be installed while on the job site or in transit. Limits of $2,500, $5,000 or $10,000 are available.

PROPERTY COVERAGES

Buildings - covers direct physical loss to described buildings or structures on an actual cash value or replacement cost basis.

Building Coverage Extensions:

• 25% of Building limit (up to $100,000) on newly acquired buildings
• $1,000 on Outdoor Signs, Fences, Antennas, Awnings & Canopies
• $1,000 on Outdoor Trees, Shrubs and Plants - limited to $250 on any one item

Business Personal Property - covers direct physical loss to business personal property at described premises.

Business Personal Property Coverage Extensions:

• 10% of Business Personal Property limit (up to $20,000) for Business Personal Property limit (up to $20,000) for Business Personal Proeprty at newly acquired locations
• $2,500 Business Personal Property off premises - including tools, equipment, materials, supplies, fixtures & machinery at a job site or in transit
• $1,000 on Outdoor Signs, Fences, Antennas, Awnings & Canopies
• $2,500 Personal Property of Others
• $1,000 Valuable Papers and Records

Loss of Income - provides up to 12 months of coverage for loss of earnings and extra expenses incurred when your business is interrupted by loss or damage to covered buildings or business personal property by a covered peril. The limit for this coverage is 20% of the Building limit plus 100% of the Business Personal Property limit.

OPTIONAL PROPERTY COVERAGES

Automatic Increase in Insurance - provides inflation protection by automatically increasing building and/or personal property limits by a specified annual percentage.

Money & Securities – limits available up to $10,000 on premises and $5,000 off premises.

Valuable Papers & Records – covers the cost of reproducing records such as specifications, plans, and drawings.

Accounts Receivable – covers loss or damage to accounts receivable records by a covered peril and the cost to reconstruct these records.

Mini/Micro Computers – covers loss to equipment, data and media.

Earthquake Coverage

Employee Dishonesty – limits up to $50,000 available.

Glass Coverage

ADDITIONAL ARTISAN POLICY FEATURES

Payment Options - our flexible billing system allows for payments to be made either monthly, quarterly, semi-annually, or annually.

Easy Rating - the liability premium is based on the number of full-time and part-time employees rather than payroll and receipts figures.