Artisan Contractors

Axiom construction underwriters have specialized in this market segment for over 15 years. Our program is designed for the small artisan contractor, both residential and commercial, with less than $1,000,000 annual payroll and up to 15 employees, but we can consider higher annual payrolls.

Contact: Dan Djordjevic d_djordjevic@axiom-ins.com or (847) 621-6400.

Target Classes	Ineligible
In business for 3 years, or new ventures with 3 years experience in same contracting segment: Residential Commercial Condo/tract work up to 25 units new construction at one development (multifamily of 7-10 units can be considered) New ventures with a minimum of one year experience in the same contracting segment Up to 25% of work can be subbed out, except for Handyman class	Less than 1 year of experience More than 25% of work is subcontracted More than 2 claims in 3 years One or more construction defect claims Exterior work more than 3 stories Asbestos, mold or environmental remediation Condos, townhouses, apartments or single family house projects or subdivisions of less than 7 units in one development Remodeling of condos, townhouses or apartments less than 5 units within a single project Work on student housing, senior housing, assisted living facilities or retirement homes except for repair or remodeling of more than one unit at a time Sales, installation, service or repair alarm systems, automatic fire extinguishing systems, boilers, elevators, escalators, surveillance systems or TV monitoring systems either commercial or residential Sales, installation, service or repair wood, coal or waste oil burning stoves Sales or application of chemicals Installation of Hurricane shutters Work performed for petroleum, industrial or chemical facilities Work on or for roof, swimming pool, elevator, airport, dock, railroad, traffic lights, underground tanks, skylights Exterior Insulation and Finish Systems Bankruptcy in last 5 years Involved in tunneling Recreational or playground construction Perform or sublet demolition or blasting operations Restoration work involving smoke, fire, water or earthquake Open roof construction allowed, except new construction not certified for occupancy Developers or Construction Managers Felony conviction in last 5 years Personal bankruptcy or principal in a company that has declared bankruptcy in past 5 years

Target Classes

Ineligible

In business for 3 years, or new ventures with 3 years experience in same contracting segment:

Residential
Commercial
Condo/tract work up to 25 units new construction at one development (multifamily of 7-10 units can be considered)
New ventures with a minimum of one year experience in the same contracting segment
Up to 25% of work can be subbed out, except for Handyman class

Less than 1 year of experience
More than 25% of work is subcontracted
More than 2 claims in 3 years
One or more construction defect claims
Exterior work more than 3 stories
Asbestos, mold or environmental remediation
Condos, townhouses, apartments or single family house projects or subdivisions of less than 7 units in one development
Remodeling of condos, townhouses or apartments less than 5 units within a single project
Work on student housing, senior housing, assisted living facilities or retirement homes except for repair or remodeling of more than one unit at a time
Sales, installation, service or repair alarm systems, automatic fire extinguishing systems, boilers, elevators, escalators, surveillance systems or TV monitoring systems either commercial or residential
Sales, installation, service or repair wood, coal or waste oil burning stoves
Sales or application of chemicals
Installation of Hurricane shutters
Work performed for petroleum, industrial or chemical facilities
Work on or for roof, swimming pool, elevator, airport, dock, railroad, traffic lights, underground tanks, skylights
Exterior Insulation and Finish Systems
Bankruptcy in last 5 years
Involved in tunneling
Recreational or playground construction
Perform or sublet demolition or blasting operations
Restoration work involving smoke, fire, water or earthquake
Open roof construction allowed, except new construction not certified for occupancy
Developers or Construction Managers
Felony conviction in last 5 years
Personal bankruptcy or principal in a company that has declared bankruptcy in past 5 years

Availability:
IL – WI – MI – IN – IA – MO & FL

Coverage and Limits Available (Maximum Limits)
General Liability $1,000,000 Each Occurrence $2,000,000 General Aggregate (other than Products/Completed Ops) $2,000,000 Products Completed Operations $1,000,000 Personal and Advertising Injury $100,000 Damages to premises rented to you ($300,000 for commercial projects) $5,000 Medical Payments Expense

Optional Coverages Available
Additional Insured Options Designated Construction Projects Per Project Aggregate General Aggregate Limit 2503 (05/09) Stop Gap 1111 (11-11) Ohio - $150 for $500k, $250 for $1M coverage limit

Submission Requirements
Signed ACORD’s & Supplemental Three Years Currently Valued Loss Runs or a signed statement of losses Suggested target pricing or expiring premium

Miscellaneous
Minimum Premium - $750 No audit of annual premium less than $5,000 Deductible - $1000 Property Damage per claim Premium Financing Available A.M. Best A Rated Non-Admitted Carrier

Forms & Applications
Fillable Artisan Supplement

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