Utica First’s Artisan Contractor Coverage:
Each policyholder has a unique story to tell. We listen to our agents and brokers to understand their business environment, risks, and goals to help you get them the coverage that’s right for them.
Spanning 9 states with over 25 years of experience serving over 40,000 customers.
Key Features:
- Low priced, with excellent standard coverage. Our policies can be endorsed to include Primary & Non-Contributory and Blank Waiver of Subrogation.
- New Ventures and Seasonal Risks Eligible!
- No Audits! Policies are rated on number of employees (up to ten full-time, part-time count as half)
- Quote in five minutes or less! Two optional endorsements that “bundle” key coverages together: The TOOL BOX and TOOL CHEST!
- Does your insured do several types of work? Quote our HANDYMAN class!
These are Our Most Popular Products:
- Carpentry
- Masonry
- Plumbing
- Electrical
- Drywall
- Cleaning - Residential or Office
- Fence Erection
- Painting
- Carpet Cleaning
- Handyman
- Window & Door Installation
- Landscaping (no tree trimming, spraying or backhoe work)
- Tile or Stone Work - Interior
- Driveway Paving
- Floor Covering (Not Hardwood)
- Pool Cleaning
- HVAC
Discuss with your insured:
- The policy does not provide Broad Form Contractual coverage in NY
- All insureds must complete an Artisan Survey prior to their second year renewal
- No Roofing Contractors
- No leasing of equipment to others
- No exterior work above three stories
- No risks who sub-contract more than 25% of their annual work to others
- Commercial work up to 100% light commercial. No heavy commercial, industrial, or manufacturing settings
- No General Contractors
- No Power Washing operations, incidental work only to prepare worksites
*Explosion, Collapse, Underground coverage is now available. We do not write excavation or contractors using backhoes and heavy machinery.
Commonly Added Endorsements:
1) The UTICA FIRST TOOL BOX and TOOL CHEST ENDORSEMENTS. Your choice of protection levels:| Coverage/Price |
"Tool Box" |
"Tool Chest" |
|---|---|---|
| Small Tools and Equipment: subject to $500 deductible | $10,000 | $25,000 |
| Installation Floater: subject to $500 deductible | $10,000 | $25,000 |
| Care, Custody, or Control: Limited Coverage | $1,000 | $5,000 |
| Valuable Papers and Records Coverage | $5,000 | $25,000 |
| Accounts Receivable Coverage | $5,000 | $25,000 |
| Computer Coverage | $5,000 | $10,000 |
| Fire Legal Liability Coverage | $100,000 | $250,000 |
| Rental Reimbursement Coverage | Not Covered | Not Covered |
2) BLANKET ADDITIONAL INSURED ENDORSEMENT: Allows your insured to name others as additional insured without constantly endorsing the policy
3) BLANKET CONTRACTOR’S EQUIPMENT COVERAGE: Provides either $10,000 or $25,000 Blanket coverage for tools and other equipment for a reasonable flat cost.
4) PRIMARY & NON-CONTRIBUTARY ENDORSEMENT: No charge
5) OWNERS, LESSEES, or CONTRACTORS COMPLETED WORK AUTOMATIC STATUS: $150
6) WAIVER OF SUBROGATION WITH ADDITIONAL INSURED FORM
ELIGIBLE CONTRACTOR CLASSES:
| Appliances and Accessories - No LPG |
| Air Conditioning and Heating |
| Awnings: First floor only |
| Carpentry |
| Carpentry - Framing |
| Carpet or Rug Cleaners |
| Cleaning Services - Residential or Office |
| Communications Equipment Installation |
| Concrete Construction - No Backhoes |
| Driveway, Parking Areas, Yard, or Sidewalk - No street or roadwork |
| Dywall or Wallboard Installation |
| Electricians - No Burglar or Fire Alarm installation |
| Fencing Installation - Residential |
| Floor Covering Installation - No ceramic |
| Furniture and Fixtures - Woodworking |
| Furniture Upholstery |
| Glaziers |
| Gutter Installation or Cleaning |
| Handyman - Contractors involved with three or more eligible classifications |
| Heating & Air Conditioning - No LPG |
| House Furnishings Installation NOC |
| Inspectors/Appraisers - Land |
| Insulation Contractors - Residential |
| Interior Decorators |
| Landscaping/Gardening - No tree trimming, spraying, or backhoe work |
| Marble, Terrazzo, Tile, or Stone - Interior |
| Masons |
| Musical Instrument Repair |
| Overhead Doors - Metal |
| Overhead Doors - Wood |
| Painting- Exterior - Three stories or less. No Commercial Spray Painting |
| Painting- Interior |
| Paperhanging |
| Plaster or Stucco - Exterior |
| Plaster or Stucco - Interior |
| Plumbing - Residential or Office - No Sprinkler System work |
| Pool Cleaning (No popup coverage) |
| Siding Installation - Aluminum and Vinyl |
| Siding Installation - Masonry or Stone, three stories or less |
| Sign Painting or Lettering - First Floor only |
| Surveyors - Land |
| Wallpapering |
| Water Treatment or Water Softening |
| Window, Door, or Partition Installation |
| Window Cleaning - Three stories or less |
| Window Decorating |
| Woodworking - Furniture and Fixtures |
Several classifications have restrictions based on the scope of operations. See our Underwriting Guidelines for further details.
BILLING & PAYMENT OPTIONS FOR ARTISANS:
| TIMING OF PAYMENT | COMMERCIAL POLICY PAYMENTS | INSTALLATION CHARGES |
|---|---|---|
| Annual | Pay 100% of the annual premium at effective date. | None, but $5 charge if any mid-term invoices issued. |
| Semiannual | Pay 50% or annual premium at effective date. | $5 at six months, plus $5 if any other mid-term invoices issued. |
| "4Pay" for Artisan Policies | Pay 25% of the annual premium at effective date. Payments follow each 60 days. * | $5 at each of the last three payments, plus $5 if any other mid-term invoices issues. |
| Monthly (EFT and Credit Card ONLY) All insureds wishing this option must also sign up for "AUTOPAY" (automatic withdrawals) | Pay 15% at effective date. Payments then automatically deducted over next 10 months (11 in FL) on the same day as the effective date. | None |
*Each 90 days in Florida, US
