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Small Business Program

Eligibility

Payroll up to $1 million
Revenues up to $2 million
Up to 30% subcontracted costs of total gross sales
No cancellations or non-renewals in the past 3 years
No more than three claims in the past 5 years, with losses not exceeding $20,000
Contractor class codes have options for what the Insured premises is primarily used for:
- Select office when no repairs or a workshop is present
- Select shop when any repairs or a workshop is present
Snow Plow Product Completed Operations Coverage endorsement is available in all states (except NY) only for contractors that meet all of the following criteria:
- 80% of more of the Applicant's annual revenue is derived from an eligible contracting class
- Snow plowing is incidental to their business, defined as <20% of annual income
All snow plowing activity is residential. NO plowing of any public roadways or commercial parking lots is permitted
Currently unavailable in AK, CT, HI, MA, WA and any work performed in the Five Burroughs of New York City (Brooklyn, Bronx, Manhattan, Queens and Staten Island), as well as the counties of Nassau, Suffolk and Westchester are ineligible.

Program Highlights

Direct Bill and Automatic Renewal
$5,000 Property in Transit included
Prompt and efficient claims handling
Completed operations can be added per entity by request in most states
Contractors Enhancement includes blanket AI wording and a waiver of subrogation
$3,000 of contractor's tools at each covered job site limit included and can be increased up to $25,000 (in increments of 5k, 10k, 20k or 25k)
Written by Blackboard Insurance Company, rated "A" (excellent) by A.M. Best

This information is provided as a guideline only and is subject to change with or without notice.