Contractors need more than a hard hat for protection. Our Contractors Insurance program protects you and your employees. General liability coverage is provided for damages legally owed to others for bodily injury, property damage, personal injury or advertising injury resulting from your contracting business operations.

Key Coverage's Include:
Blanket Additional Insured

In general we are capable of writing a very broad range of risks for
the following lines of insurance for contractors:

1.. General Liability
2.. Automobile Liability
3.. Auto Physical Damage
4.. Railroad Protective
5.. Owners, Contractors Protective Liability
6.. Employee Benefits Liability

Maximum Policy Limits Available (Limits and Coverages)

A. Commercial General Liability Including Products / Completed 
Operations
$1,000,000 Per Occurrence
$2,000,000 General Aggregate (per project)
$2,000,000 Products / Completed Operations
$1,000,000 Personal Injury / Advertising Injury
$ 10,000 Medical Payments
$1,000,000 Employee Benefits
$1,000,000 Fire Damage Legal Liability

B. Owners Contractors Protective Liability

$2,000,000 Per Occurrence
$4,000,000 General Aggregate (per project)

C. Railroad Protective Liability

$2,000,000 Per Occurrence
$6,000,000 General Aggregate

D. Commercial Auto Liability

$1,000,000 Combined Single Limit Per Occurrence
Personal Injury Protection – to follow Applicable 
Statutory
Requirements.
Additional Personal Injury Protection – to follow 
Applicable
Statutory Requirements
$1,000,000 Uninsured Motorists Coverage
$1,000,000 Underinsured Motorists Coverage
$ 10,000 Medical Payments

a.. Special Notes
*Coverages B, C, and D will only be written in conjunction with the
writing of coverage A.
*Mandatory loss control for any account over $100,000 (one hundred
thousand) in premium.
Deductibles – GL minimum $1,000.00 per occurrence, Auto Physical 
Damage
minimum deductible of
$250.00 comp/coll.

Required Information
1. Complete Acord Applications.
2. Complete First Capital Supplemental Application.
3. Minimum of 3 years plus current year loss experience valued within 
90
days.
4. Complete vehicle schedule with classes and weights.
5. List of drivers.
6. Copy of recent MVRs
7. Depending on size of fleet (Vehicle maintenance procedures - Hiring
guidelines, Insured policy on personal use of autos may be required.)



For information regarding the use of this facility please contact:
Michael@rubininsurance.com