Guardian Program United Specialty Rater

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Guardian Program United Specialty Rater.

P R O G R A M   H I G H L I G H T S

pdf_icon Application
AM Best A VIII Non-Admitted

Available Limits

  • $500,000 per occurrence / $1,000,000 general aggregate
  • $1,000,000 per occurrence / $1,000,000 general aggregate
  • $1,000,000 per occurrence / $2,000,000 general aggregate

Self-Insured Retention

  • $2,500 bi/pd per claim (STANDARD)
  • $5,000 bi/pd per claim (STANDARD SIR FOR CLASS 98677 & 98679)
  • $7,500 bi/pd per claim

Minimum Premiums

  • $750.00 to $1,500 policy minimum applies to all other classes (varies by class)
  • $3,000 policy minimum applies to all Roofing Contractors (class codes 98677 & 98679)

Rating Basis:

  • Gross receipts

Difficult to place classes include but no limited to:

  • Developers
  • Foundations
  • Roofing
  • Excavation
  • Swimming Installation

61 classes of Contractors
Additional Highlights

  • 15% minimum premium
  • Blanket Additional Insured included at no additional premium
  • Limited coverage for EFIS (additional premium, $500.00)

Available in all States Except Colorado, Delaware and New York

  • Per project aggregate limit endorsement at $5M gross
  • Blanket additional insured – compare to CG 20 10 11 85 available for commercial projects only
  • Blanket primary wording endorsement
  • Blanket waiver of subrogation endorsement

Requirements in order to bind coverage

  • Three years of currently valued company loss runs* or a currently dated known loss letter signed by the individual owner, partner or officer of the company
  • Guardian Application
  • Resume of experience required companies with less than 2 years’ experience

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