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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
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
Endorsements
- 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
