LiveRate® for Contractor Limit Requested:LIMITS: Estimates above 1000/2000/2000 are not available with all companies.For higher limits, also get a quote at 1000/2000/2000 then chat with us about other excess coverage options. 1000/1000/10001000/2000/10001000/2000/20002000/2000/20003000/3000/30004000/4000/40005000/5000/5000 Deductible:DEDUCTIBLE: Most carriers will offer discounts for higher deductibles. We suggest starting with a deductible of $1,000. 1,0002,5005,00010,000 Prior Claims:CLAIMS: If you had prior claims, LiveRate® will likely still be able to provide estimates. 0123+ (last 5 years) End Section Next Do you have a contractors license orapplication number?LICENSE: You'll answer far less questions by entering your contractor license number.We'll just lookup your business info. YES NO Are You Currently Insured:CURRENTLY INSURED: Discounts may be available for prior insurance of 1, 2, 3 and 4 years. YES NO Any claims over $7,500 in last three (3) years?CLAIM $7,500+: At least one carrier will only charge additional premium for claims if they are over $7,500. YES NO Next Do you have employees:EMPLOYEES: Rates for GL and Work Comp coverage is based - in part - on your estimated gross annual employee payroll per $1,000.*Do not include owners! YES NO Do you hire subcontractors:SUB-CONTRACTORS: Much like payroll, GL rates are based - in part - on estimated gross annual subcosts. YES NO Do you perform any structural work:STRUCTURAL: Some carriers will not cover structural work at all - others may add a surcharge. Please select... YES NO Next Contractor License Number:LICENCE NUMBER: Enter your number here and we'll lookup your business info so you'll enter far less information later. Estimated Annual SubContracting Costs:SUB COSTS: Carriers will base coverage rates - in part - on each $1,000 of subcontracted labor costs. Next Estimated Annual Employee Payroll:PAYROLL: Carriers will base coverage rates - in part - on each $1,000 of employee payroll. Do not include owners/officers payroll Number of Full-Time:FULL-TIME: Full-time is 30 or more hours per week. Number of Part-Time:PART-TIME: Part-time is less than 30 hours per week. Next Total Years in Business:BUSINESS AGE: How long has your business been operating? Annual Gross Sales:SALES: Insurance carriers will consider gross sales in determining viability of a risk. To be sure you receive estimates from as many companies you should enter a minimum of $40,000 here. (Estimate total income over the next year) Years of Prior Insurance:PRIOR INSURANCE: If you've had any laps of coverage you should select 'Operating without prior insurance'. New in BusinessOperating without prior insuranceOther - claim in past year1-59 Days without insurance60+ Days without insurance1 Year Insured - NO claims2 Years Insured - NO claims3 Years Insured - NO claims4+ Years Insured - NO claims Next What percentage of your work is;Residential:RESIDENTIAL: Enter the percentage of residential work from 0 to 100. Commerical:COMMERCIAL: Enter the percentage of commercial work from 0 to 100. Total=100%: Classes Class Code #1 A/C & RefrigerationAir Conditioning System Installation Appliance & Accessories Installation Carpentry (Framing)Carpentry (interior/woodwork/shop) Carpet Cleaning Cleaning (Outside Bldg.) Concrete (Flat Only-No Foundations)Concrete Foundation (New Commerical only) (No Repair)Concrete Foundation (New Residential and/or New Commerical) (No Repair)Debris Removal (construction site) Door/Window Installation DrillingDrywall Electrical Equipment Rental (w/operator) Excavation (Max 10 ft depth) (Underwriter Approval Required)Fencing Floor Covering Installation Garage Door Installation General Contractor - New CommGeneral Contractor - New ResGeneral Contractor - Remodel CommGeneral Contractor - Remodel ResGlass Installation/Glazing Grading (Underwriter Approval Required)Guniting Handyman HVAC Insulation Janitorial (No Floor Waxing)Landscape Masonry Metal Erection (Decorative Only)Metal Erection (structural) Painting (Exterior)Painting (Interior) Plastering / Stucco U/W Approval OnlyPlumbing CommercialPlumbing ResidentialPre-Fab HomesPremises Only (No Products/Completed Ops)Pressure Washing / Sandblasting Roofing (New Comm) Roofing (New Res) Roofing (Repair Comm) Roofing (Repair Res) Satellite Dish InstallationSeptic Tank (Install, Service, Repair)Sewer and Water Mains Sheet Metal Siding and Decking Street/Road Paving (Commercial)Swimming Pool Cleaning Swimming Pool Installation Tile & Marble Installation Tree Trimmer Water DrillingWelding (Non-Struct Only) U/W Approval Only % of Work Performed Class Code #2 % of Work Performed Class Code #3 % of Work Performed Class Code #4 % of Work Performed LiveRate LiveRate HCC LiveRate BTIS LiveRate SiS End Section Get Results LiveRate® for Contractorsin progress - (0) offers found so far - please wait.. End Section End Section End Section Apply Online Business Name: First Name of Owner/Officer: Last Name: of Owner/Officer: * Location Address: * Location Address Location City * City Location State: State Location Zip: Zip Email Phone Fax When Do You Need Insurance: --- ADMIN ONLY --- items below have been set in formidable to be hidden from all but WP admins. Coverage Options Include or Exclude Endorsements/Buy Backs Blanket Additional Insured (Ongoing) Exclude Include Blanket Waiver of Subrogation Exclude Include Blanket Primary Wording Exclude Include Blanket Per Project Aggregate Exclude Include Blanket Comp Ops - Commercial Only- 2037 Equivalent Exclude Include Blanket Your Work- 1185 Equivalent - Commercial Only Exclude Include Condominiums and Multi Family Homes - New Exclude Include Condominiums and Multi Family Homes - Structural Repair Exclude Include Course of Roofing Operations Exclude Include Acts of Terrorism Exclude Include Schools & Recreation Facilities Exclude Include All Heating Devices Exclude Include Hospital Project Work Exclude Include Buildings and Structures Exceeding 3 Stories (Exterior) Exclude Include Snow Plow/Snow Removal Operations Exclude Include No work on New Residential Structures prior to the Certificate Of Occupancy (remodel work ok) NO work on new homes before occupancy: Up to 25% Credit! Per Project Aggregate $250 (fully earned): Per Project Aggregate $250 (fully earned): Employee Benefits Liability $250 (fully earned): Employee Benefits Liability $250 (fully earned): Remove Subsidence Exclusion Remove Subsidence Exclusion Remove PRIOR COMPLETED OR ABANDONED WORK EXCLUSION Remove PRIOR COMPLETED OR ABANDONED WORK EXCLUSION Scheduled Additional Insured Endorsement (CG2010 11/85 equivalent) – only allowed on commercial projects: $500 (fully earned) Scheduled Additional Insured Endorsement (CG2010 11/85 equivalent) – only allowed on commercial projects: $500 (fully earned) Limitation of Coverage to Business Description Limitation of Coverage to Business Description Pesticide or Herbicide Applicator Coverage $150 (fully earned) Pesticide or Herbicide Applicator Coverage $150 (fully earned) Remove Employer`s Liability Exclusion (Action Over) Remove Employer`s Liability Exclusion (Action Over) Faulty Workmanship Coverage (Contractors Errors and Omissions) (Premium is fully earned) Click here to see form Faulty Workmanship Coverage (Contractors Errors and Omissions) (Premium is fully earned) Click here to see form Faulty Workmanship Coverage Limit $10,000 Faulty Workmanship Coverage Limit $500 Multi-policy Credit - Does the insured have an existing policy underwritten by AmTrust North America including its affiliates? 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