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Small Contractors

EMC’s Small Contractors program offers more than great coverage.

Our policyholders also receive industry-appropriate loss control resources, personalized claims service and the kind of expertise you’d expect from a company that’s been in the commercial insurance business for over 100 years. Any insurance company can provide coverage. It’s our tailored resources, expertise and service that make us the right choice for your small contractor clients.

EMC’s program was developed for the small, above-average contractor and provides inland marine, commercial property and commercial general liability coverages for eligible contracting risks.

Eligible Classes of Business

 

Underwriting Standards

If you are a small contractor and would like more information, contact your local independent insurance agent for more details. Find an agent.

If you’re an agent and have questions about eligibility, contact your EMC marketing representative or underwriter.

Contractors Errors or Omissions
Contractors errors or omissions can be added to your EMC policy, giving you the additional coverage that is not a part of the standard general liability coverage. This includes the coverage of labor and materials your company could be responsible for as a result of an error or omission resulting from your contracting operations.

The following forms** provide this coverage:

*Varies by state.
**Form numbers vary by state.

Errors or Omissions Eligible Classes:

Property Coverage Contractors Property Extension CP7350
Accounts Receivable $50,000
Business Income From Dependent Properties $25,000/$1,000 per day
Debris Removal 25% plus $35,000
Employee Dishonesty $25,000
Employees’ Tools $1,000 per tool/$10,000 per occurrence
Extra Expense $25,000
Fine Art $25,000
Fire Department Service Charge $5,000
Fire Department Extinguisher Systems Expense Actual cost incurred
Increased Cost of Construction 5% or $25,000, whichever is less
Inventory and Appraisal Expense $10,000
Lock Replacement and Rekeying $5,000
Money and Securities $10,000
Newly Acquired:
     Period of Coverage
     Buildings
     Business Personal Property
     Business Income

Up to 120 days
$1,000,000
$500,000
$250,000
Outdoor Property (with expanded perils) $15,000/$1,000 any one tree, shrub or plant
Personal Effects and Property of Others $25,000
Pollutant Cleanup and Removal $25,000
Portable Buildings $10,000
Premises Boundary Definition 1,000 ft
Preservation of Property Included up to 60 days
Property: In transit $50,000
Property: Off premises $25,000
Replacement Cost Valuation: Building losses under $10,000 Included
Rental Reimbursement $10,000/72-hour waiting period
Reward Payment $5,000
Sales Representative Samples $25,000
Seasonal Variations: Business personal property 25%
Signs (attached to buildings or detached) Subject to building limit; if tenant, subject to BPP limit
Theft Limitation: Patterns, dies, molds and forms $2,500
Towers and Antennas $15,000
Utility Services: Direct damage (excludes overhead transmission lines) $25,000
Valuable Papers and Records $50,000
Water Backup and Sump Overflow/Discharge From Sewer, Drain or Sump $5,000 each premises/$25,000 per policy period
General Liability Coverage Essential Extension CG7191 Elite Extension CG7578
Additional Insured: Primary and noncontributory Not included Included; automatic if required by contract
Blanket Additional Insured: Specified relationships Not included Included if required by contract
Damage to Premises Rented to You: Fire legal liability $300,000; includes fire, lightning, explosion, smoke and sprinkler leakage damage leakage damage $500,000; includes fire, lightning, explosion, smoke and sprinkler leakage damage leakage damage
Expected or Intended Injury: Reasonable force Included; bodily injury and physical damage Included; bodily injury and physical damage
Extended Property Damage Coverage for Borrowed Equipment and Customer Goods: Care, custody and control $2,500 per occurrence/$5,000 policy/$250 deductible $5,000 per occurrence/$10,000 policy/$250 deductible
Fellow Employee Coverage Not included Included
Fire, Lightning or Explosion Damage Expanded definition Expanded definition
General Liability Conditions: Duties in event of accident Included; clarifies the requirement Included; clarifies the requirement
General Liability Conditions: Unintentional failure to disclose exposures Included Included
Health Care Service Professionals as Insureds: Incidental malpractice Included Included
Liberalization Automatic revisions Automatic revisions
Medical Payments Limit $5,000 $10,000
Medical Payments Reporting Period 3 years extended reporting 3 years extended reporting
Mental Anguish Included in definition of “bodily injury” Included in definition of “bodily injury”
Newly Formed or Acquired Organizations as Insureds Until the end of the policy period Until the end of the policy period
Nonowned Watercraft Less than 51 ft long Less than 60 ft long
Property Damage: Elevators Amendment of exclusions regarding elevators; reduces application of care, custody or control exclusion Amendment of exclusions regarding elevators; reduces application of care, custody or control exclusion
Subsidiaries as Insureds When you own 50% of the voting stock on the effective date of this policy When you own 50% of the voting stock on the effective date of this policy
Supplementary Payments: Bail bonds/Loss earnings $3,000 bail bond limit; $350 loss of earnings $5,000 bail bond limit; $500 loss of earnings
Waiver of Transfer of Rights of Recovery Not included Included if required by contract

Choose either CA7270 or CA7450 for auto coverage*:

Commercial Auto Extension CA7270 Elite Extension CA7450
Airbag Accidental Discharge Included; mechanical breakdown exclusion does not apply Included; mechanical breakdown exclusion does not apply
Audio, Video and Data Electronic Equipment $1,000 $5,000
Auto Loan/Lease Coverage: Unpaid amounts, penalties, fees Not included Included; $500 max for fees or penalties
Autos Rented or Hired by Employees Not included Included
Blanket Additional Insured Written agreement Written agreement
Blanket Waiver of Subrogation Not included Included
Business Auto Conditions: Duties in event of accident Included Included
Business Auto Conditions: Unintentional failure to disclose exposures Included Included
Employees as Additional Insureds Not included Included
Extra Expense for Stolen Auto Not included $1,000
Fellow Employee Not included Included
Glass Repair or Replacement: Waiver of deductible No deductible No deductible
Hired Auto Physical Damage Included; $75,000 Included; no limit
Hired Auto Physical Damage: Lessors financial loss when liable for accident Not included $1,000 per accident
Liberalization Automatic revisions Automatic revisions
Locksmith Services (including electronic) $50 private passenger $250 private passenger
Loss of Two or More Covered Autos, Same Accident One deductible One deductible
Mental Anguish Included in definition of “bodily injury” Included in definition of “bodily injury”
Newly Formed or Acquired Organizations Up to 180 days after acquisition Up to 180 days after acquisition
Personal Effects Not included $500
Personal Property of Others $500 $500
Rental Reimbursement: Not theft $50 day, 30 days; $1,500 max $75 day, 30 days; $2,250 max
Replacement Cost on New Autos Not included Included, if less than 180 days
Subsidiaries as Insureds Included when you own 50% of the voting stock on the effective date of this policy Included when you own 50% of the voting stock on the effective date of this policy
Supplementary Payments: Bail bonds/Loss earnings $3,000 for bail bonds; $350 loss of earnings $5,000 for bail bonds; $500 loss of earnings
Temporary Substitute Autos: Physical damage coverage Not included Included
Towing $100 private passenger; $500 other than private passenger $100 private passenger; $500 other than private passenger
Transportation Expense: For total theft $75 per day; $1,000 max $75 per day; $2,500 max

*These forms are not available unless a scheduled auto is included on the policy.

Ineligible Operations
Contractors with the following characteristics are generally not acceptable for the EMC Small Contractors Program:

The Small Contractors Program is not available in Alaska, California, Delaware, Florida, Hawaii, Maine, New Jersey, New York, Oregon, Washington, West Virginia, or Washington, D.C.

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