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!