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Special Trade Contractor
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MMG Insurance Company’s Special Trade Contractor’s Package has all the
tools needed to provide comprehensive insurance coverage. It is important to make sure
your tools and equipment are protected, but it is even more important to make sure you
have liability coverage. Our Special Trade Contractor Program is written under a business
owner policy and provides coverage for property and liability at competitive rates.
Contact your Local Independent Insurance Agent and let them design a
program that meets your insurance needs. |
| Standard Features |
| If you select a
Business Personal Property Limit of $5,000 your policy includes the following: |
| Business Personal Property
(other than tools) off Premises and in Transit |
$5,000 |
| Personal Effects (other than tools) |
Up to $2,500 at each described premises |
| Valuable Papers & Records |
$5,000 on premises/$2,500 off
premises |
| Accounts Receivable |
$5,000 on premises/$2,500 off premises |
| Contractor’s Tools &
Equipment (on premises) |
$3,000 with a $500 limit per
tool |
| Outdoor Property |
$2,500 |
| Business Income & Extra
Expense |
Actual Loss Sustained 12
months |
| Contractor’s Installation Coverage |
$3,000 |
| Fire Damage Legal Liability |
$250,000 |
| Medical Payments |
$5,000 |
| Fire Department Service Charge |
$1,000 |
| Ordinance & Law – Increased Cost of
Construction |
$5,000 – If Building is insured on
Replacement Cost Basis |
| Money Orders & Counterfeit
Paper Currency |
$1,000 |
| Exterior Building Glass |
Up to the Building Limit shown in the
Declarations |
| Forgery & Alteration |
$2,500 |
| Eligible Risks
Endorsements Available |
 | Air Conditioning/Heating (not including LPG) Actual Cash Value |
| Carpentry/Residential (not roofing contractor) Employee Dishonesty |
| Cable TV / Telephone Work |
| Carpet Cleaning Outdoor Signs |
| Carpet/Floor Installation Money & Securities |
| Concrete Construction Accounts Receivable |
| Door/Window Installation Valuable Papers |
| Driveway Paving |
| Drywall Business Property Off Premises |
| Electrician Increased Fire Legal |
| Fence Installation Additional Insured |
| Glazier |
| Household Appliance Service/Repair Hired & Non-owned Auto |
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| Interior Decorating |
| Computer Coverage |
| Janitorial Scheduled Tools & Equipment |
| Landscaping/Gardening Blanket Tools & Equipment |
| Locksmith |
| Masonry Non-owned Tools & Equipment |
| Office Machine Repair/Service Installation Floater |
| Painting – Exterior (no spray painting) Contractor Valu-Pak |
| Plastering/Stucco |
| Plumbing |
| Residential Excavation |
| Septic Tank Cleaning |
| Siding Installation |
| Sign Painting |
| Tile/Stone Work |
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| Our
Contractor’s Valu-Pak can provide you with several coverages for a small premium of
$100. It provides the following coverages: |
| Business Personal Property: $5,000 (Includes property of others) |
| Blanket Contractor’s Tools & Equip. $5,000 (Inland Marine - $2,000 max per
tool) |
| Non-Owned Tools & Equip $ 5,000 (Inland Marine Coverage-Leased or Rented) |
| Employees Tools $ 2,500 (Inland Marine Coverage) ($1,000 per employee & $1,000/tool) |
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| Computer Special Coverage Form $5,000. |
| Broad Form Property Damage $25,000 |
| Installation Floater (Each job site) $5,000 (All covered job sites) $15,000. |
| Theft of Covered Property From Any Unattended Vehicle Tools & Equipment Limit |
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| The program features
and coverage described throughout this site are in the broadest and most general terms. It
is our intention to provide a summary of the product and/or examples of available options.
Contractual coverage is stated in the actual forms and endorsements attached to
individualized policies. Some coverages may be subject to policy limitations, exclusions
and/or conditions. Specific policy language supercedes any and all representations
contained in this site. For specific coverage details and policy exclusions, refer to the
MMG Insurance Company Policy or contact your local Independent Insurance Agency. |
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