|
All in One Policy for Small to Medium
Sized Contractors
The Contractor Business Owner Program from Partners Mutual provides liability,
property, inland marine, and crime coverage.
What Is Covered?
Contractor Liability Coverage includes:
 |
Premises coverage |
|
|
|
|
Operations on and away from the premises |
|
|
|
|
Completed operations coverage after the job is completed |
|
|
|
|
Blanket contractual; liability arising out of a contract or agreement |
|
|
|
|
Fire legal $50,000: your damage, fire or explosion to leased property |
|
|
|
|
Host liquor liability |
|
|
|
|
Personal injury liability: protection if you are accused of libel,
slander, false arrest, wrongful entry or eviction or invasion of privacy |
|
|
|
|
Voluntary property damage: up to $2,500 on property of others away from
your premises in your care or custody |
|
|
|
|
Medical payment: $5,000 per person for injuries suffered by others |
Available Optional Liability includes:
|
|
Hired and Non-owned Auto Liability |
|
|
Burglary and Robbery |
|
|
|
|
|
|
|
Employee Dishonesty |
|
|
Outdoor Signs |
|
|
|
|
|
|
|
Money and Securities |
|
|
Builder Risk Endorsement |
|
|
|
|
|
|
|
Contractors Errors and Omissions |
|
|
|
Business Property Coverage
Partners Mutual understands how important it is for you to protect your property. So with
a standard deductible of $250, or optional deductibles of $500, or $1,000 for
replacement cost or actual cash value, we offer the following coverage options:
|
|
Buildings |
|
|
Newly Acquired Buildings |
|
|
|
|
|
|
|
Business Personal Property |
|
|
Pollutant Clean Up and Removal
$10,000 |
|
|
|
|
|
|
|
25% Peak Season |
|
|
Special or Basic Form |
|
|
|
|
|
|
|
Loss of Business Income: Actual loss
for 12 months up to a total of 25% of the combined building and business personal property limit |
|
|
Exterior Glass |
|
|
|
|
|
|
|
Ordinance or Law Coverage |
|
|
|
|
|
|
|
Backup of Sewer or Drain |
|
|
|
Inland Marine Coverage
With deductible options of $100, $250, $500 or $1,000 for replacement cost or actual cash
value, Partners Mutual offers the following inland marine coverage options:
|
|
Small Tools, Radios, Telephones |
|
|
Scheduled Equipment Floater |
|
|
|
|
|
|
|
Computer Coverage |
|
|
Installation Floater |
|
|
|
|
|
|
|
Valuable Papers |
|
|
Accounts Receivable |
|
|
|
|
|
|
|
Sales and Service Floater |
|
|
|
Extra Benefits
Partners Mutual offers a Partners Plus Coverage Advantage Program which is available when
you insure your Office, Shop or Warehouse
|
|
Up to $5,000 on money and securities |
|
|
Up to $5,000 sewer back up |
|
|
|
|
|
|
|
Up to $100,000 on personal property at newly acquired locations |
|
|
Up to $5,000 arson reward |
|
|
|
|
|
|
|
Up to $10,000 on valuable papers
and records |
|
|
Up to $10,000 on utility service |
|
|
|
|
|
|
|
$10,000 on outdoor signs |
|
|
Up to $10,000 trade show coverage |
|
|
|
|
|
|
|
Only one deductible will apply in the
event of loss |
|
|
Up to $500 on fire extinguisher recharge |
|
|
|
|
|
|
Up to $10,000 on property of others in
transit |
|
|
Up to $1,000 on lock replacement |
|
|
|
|
|
|
|
Up to $1,000 per occurrence glass coverage |
|
|
Up to $5,000 money and securities (inside and
outside) |
Available coverage when you insure your
contractor equipment:
|
|
Up to $5,000 on rental reimbursement on contractor equipment |
|
|
|
|
Up to $25,000 on rented equipment |
|
|
|
|
Up to $10,000 on property of others in transit |
|
