Contractor Insurance Policy Offered by The IMT Group

At IMT, we call our contractor insurance the Artisans program. It is a specialized package that is tailored to cover small to medium sized contracting businesses. Coverage is provided in a single, easy-to-rate policy that is designed for you, your business, and your peace of mind.

Insuring your contracting business with IMT means that we offer you broad liability protection developed to meet the insurance needs of your particular business. In addition, property coverages can be added to cover your building, business personal property, and equipment.

The IMT Artisans program is proof of what it means to "Be Worry Free with IMT".

>> LIABILITY COVERAGE

Broad Liability Protection

 Bodily Injury and Property Damage Liability for Premises/Operations Liability

 Products/Completed Work Hazard Liability

 Personal Injury and Advertising Injury Liability

Coverage highlights:

 Contractual Liability

 Incidental Medical Malpractice Injury

 Supplementary Payments

 Worldwide Coverage

>> OPTIONAL PROPERTY COVERAGES

 Building and Business Personal Property

 Coverage is written on replacement cost basis or actual cash value-the choice is yours.

 Building limits automatically increase 2% annually.

 Business Personal Property limit (including inventory) automatically increases 25% during peak season (subject to conditions).

 Loss of Income (based on coverage limits or on an actual loss sustained basis).

>> OPTIONAL COVERAGES

Liability

 Care, Custody and Control

 Employee Benefits Liability

 Hired and Non-Owned Auto Liability - (Coverage is not available in all states or if a Business Auto Policy is in force.)

 Voluntary Property Damage

Property

 Computer Hardware and Software

 Earthquake

 Employee Dishonesty

 Installation Floater

 Interior Glass

 Money and Securities

 Ordinance or Law Coverage Extension

 Sewer Back Up

 Coverage Plus Endorsement - Offering higher limits on accounts receivable, signs, and valuable papers and records and limited additional coverages of arson reward, computer coverage, contract penalty, credit card or fund transfer card invoices, expediting expenses, fire extinguisher discharge, and lock replacement.

>> ELIGIBILITY

You are eligible for this program if you:

 Are a contractor employing 15 or fewer employees.

 Have maximum gross receipts of $3,000,000.

 Have an annual payroll of up to $500,000.

 Have sub-contracted work that is less than 20% of your gross annual receipts.

AND your business is:

Air Condition and Heating Systems
Appliance and Accessories
Awnings
Cabinet Makers & Installers
Carpentry
Carpet or Rug Cleaners
Ceiling or Wall Installation
Cleaning Services - Residential or Office
Communication Equipment or Computers
Concrete Construction
Door, Window & Partition Installers
Driveway, Parking Area, Yard or Sidewalk
Paving or Repair - Concrete or Asphalt
Drywall or Wallboard Hanging & Taping
Electric Work
Fence Erection Contractors
Floor Coverings
Garage or Overhead Door
Glass Dealers or Glaziers
Handyman
House Furnishings Installation
Inspectors/Appraisers - Land
Interior Decorators
Landscape Gardening
Locksmiths
Marble, Terrazzo, Tile or Stone Work - Interior
Masonry
Painting
Plaster or Stucco Work
Plumbing - Residential or Office
Siding Installation
Wallpapering
Window Decorating

We would encourage you to find out more about our IMT Artisans program and obtain a free quote by contacting a local insurance agent today!