Artisans & Trade Contractors Insurance

Comprehensive Insurance Protection you can not live without!

Lincoln Brokerage Artisan & Trade Contractors Program was designed was designed to provide customized insurance protection for the small to medium size contractor. This innovative product provides you with the option to combine property & liability coverages under one convenient and cost effective package. Our product is underwritten by a host of the most respected and financially sound insurance carriers in the industry.

Today's legal environment requires the artisan to provide high limits of liability coverage to meet the needs of your customers. Our program will meet those needs without burdening you with the high cost of insurance associated with the traditional insurance programs.

Program Highlights

Our Artisan & Trade Contractors Program is comprised of three primary coverages: Commercial General Liability, Business Property, and Inland Marine.

Commercial General Liability

A comprehensive insurance coverage with various available liability limits to meet your every need. Standard Liability Coverages include:

Premises/Operations Liability Products/Completed Operations Contractual Liability Personal & Advertising Injury Medical Payments Fire Damage Legal Liability Broad Form Property Damage

Host Liquor Liability Incidental Medical Malpractice Non-Owned Watercraft Limited Worldwide Liability Additional Persons Insured Extended Bodily Injury

In addition our program provides the following Optional Liability Coverages :

• Additional Insureds -- some of the available classes are -- Premises leased to named insured
• State or political sub-division
• Lessors of machinery or equipment
• Owners or lessors for work performed by the insured

Additional Premises Liability

Provides you with protection for your buildings and business personal property, located at your premises, against covered perils. The standard program includes:

Building Coverage (optional)

Business Personal Property

Exterior Glass (optional)

Exterior Signs (optional)

Business Interruption & Extra Expense

Supplemental coverages and extensions include:

Accounts Receivable

Arson Reward

Fire Department Service Charge

Fire Equipment Recharge

Money & Securities

Personal Effects and Property of Others

Inland Marine

The Inland Marine section of the policy is an optional coverage that can be customized to your specific needs. The coverage is broken down under three categories:

Contractors Tools & Equipment -- Tools coverage is available for a limit of $10,000 on all items and $500 per item and is provided on an "all risk" basis. Contractors Equipment coverage can be added for those tools and equipment that are valued over $500 per item on a scheduled basis.

Installation Floater -- Coverage is available on an "all risk" basis. Property insured is machinery, equipment , supplies and building materials, owned by the insured or the property of others for which the insured is legally liable.

Computer Property & Extra Expense -- Coverage is available on an "all risk" basis for computer equipment and media up to a maximum of $100,000 per location.