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Contracting

A Package Policy With Built-In Flexibility

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At Portage Mutual we realize that not all contractors are the same. For that reason, we’ve tailored our Contractors Pro package to incorporate a combination of coverages designed to meet the insurance needs of a variety of contractors including general contractors and specialized trades.

Contractors Pro offers two package options to choose from: Essentials or EssentialsPlus.

Essentials:
Our Essentials package lives up to its name. It’s designed for smaller operations where basic coverage is needed.

EssentialsPlus:
Like the Essentials package, our EssentialsPlus package covers all the basics plus it is specifically designed to cater to the needs of larger more complex operations that may need additional coverage.

Essentials

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Property

  • Tool Floater (AR, 5 Yr. RC, 90% CO) $2,500 Max. Per Item*
  • Installation Floater

Commercial General Liability

  • Commercial General Liability (Occurrence Form)
  • Blanket Contractual Liability
  • Broad Form Property Damage
  • Cross Liability
  • Employees as Additional Insureds
  • Incidental Medical Malpractice
  • Medical Payments (Per Person)
  • Personal and Advertising Injury Liability
  • Tenant's Legal Liability

Liability Coverage Extension

  • Broad Form Completed Operations
  • Contingent Employers Liability
  • Elevator Collision
  • Employee Benefits Liability Extension
  • Employers Liability
  • Non-Owned Auto
  • S.E.F. 94
  • S.E.F. 96
  • S.E.F. 99

Optional Coverages

  • Building (AR, RC, 90% CO)
  • Contents (AR, RC, 90% CO)
  • Crime Coverage
  • Earthquake Shock Endorsement
  • Flood Endorsement
  • Sewer Backup Endorsement
  • Third Party Extension
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EssentialsPlus

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Property

  • Contents (AR, RC, 90% CO)
  • Tool Floater (AR, 5 Yr. RC, 90% CO) $2,500 Max. Per Item*
  • Installation Floater
  • Contractor’s Equipment Floater (AR, 5 Yr. RC, 90% CO) $10,000 Max. Per Item*
  • Property Enhancement

Commercial General Liability

  • Commercial General Liability (Occurrence Form)
  • Blanket Contractual Liability
  • Broad Form Property Damage
  • Cross Liability
  • Employees as Additional Insureds
  • Incidental Medical Malpractice
  • Medical Payments (Per Person)
  • Personal and Advertising Injury Liability
  • Tenant’s Legal Liability

Liability Coverage Extension

  • Broad Form Completed Operations
  • Contingent Employers Liability
  • Elevator Collision
  • Employee Benefits Liability Extension
  • Employers Liability
  • Non-Owned Auto
  • Rip and Tear Coverage
  • S.E.F. 94
  • S.E.F. 96
  • S.E.F. 99

Optional Coverages

  • Building (AR, Replacement Cost, 90% CO)
  • Earthquake Shock Endorsement
  • TechAdvantage™
  • Flood Endorsement
  • Portage Green Endorsement
  • Sewer Backup Endorsement
  • Third Party Extension

Crime

  • I. Employee Dishonesty Coverage - Form A
  • II. Loss Inside Premises
  • III. Loss Outside Premises
  • IV. Money Orders/Counterfeit Paper Currency Coverage
  • V. Depositors Forgery Coverage
  • VII. Credit Card Forgery
  • VIII. Computer Fraud
Contractor

Loss Prevention

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Loss Prevention

Because our world turns to the legal system more often than ever before to settle disputes we have created some helpful forms that can assist you in adopting loss prevention and control techniques.

Incorporating the use of such forms can enable you to produce consistent documentation that may help provide some defense from lawsuits brought against you such as a slip and fall claim.

Please ask your insurance broker for a supply of these Portage Mutual documents:

  • Incident Report Form
  • Loss Control Recommendations

Consult your professional insurance broker to explain the benefits of purchasing a Contractors Pro coverage package.

*Tools & contractor’s equipment over the max. per item limit must be scheduled separately. Coverages and limits are subject to change. This is a general description of coverages. Actual policy conditions govern. For a complete description of coverages please consult your insurance broker or the Contractors Pro policy wordings.

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