ArborMAX Insurance Program

Transcription

1 ArborMAX Insurance Program Package Eligibility Guidelines 1. Company must be in business at least three years. New ventures may be considered if owner has at least five years experience in the tree care industry. The new owner will have to provide a resume that lists prior work experience and education. 2. Company must be a member of a Green Industry Association such as TCIA, ISA or a regional association OR have a written safety program in effect. 3. Company must have at least 40% of their payroll/receipts in tree care operations (class code 99777). The balance of payroll can be landscape gardening (97047). 4. Ancillary operations (Ex: Snow Plowing) can not exceed 15% of the overall operations. 5. The following GL class codes are eligible for the program: Tree Pruning, Dusting, Spraying, Repairing, Trimming, Fumigating Landscape Gardening Contractors Subcontracted Work Contractors Permanent Yards Excavation Grading of Land Street Cleaning (snow plowing) Lawn Maintenance Plumbing (irrigation systems) Pulp Manufacturing (mulch operations) Buildings & Premises LRO Dwellings One Family LRO Vacant Land Nursery Garden 6. Minimum Premium is $2,500 per account.

2 Package Submission Requirements 1. Signed (by agent & insured) Acord Applications for all lines of business submitted. Application should include a list of all drivers with license numbers and dates of birth. 2. Signed ArborMAX Supplemental Application. 3. Three years plus current year loss runs for all lines of business submitted. Include a brief description of any loss over $25,000. All loss runs must be valued within the past 90 days. 4. MVRs for all drivers including family members that have access to the insured s vehicles. Workers Compensation Eligibility Guidelines 1. Company must be a TCIA member company. 2. Company must be a TCIA Accredited Member Company OR have a TCIA Certified Treecare Safety Professional on staff. 3. Experience Modification must not exceed Minimum premium is $25,000 Workers Compensation Submission Requirements 1. Acord Application 2. Premiums and payrolls for the past five years. 3. Current WC Experience Modification Worksheet 4. Currently valued loss runs for four years plus the current year. Send all submissions to Mike Rook at mrook@gasinsurance.net

3 Coverages All forms will be ISO based with the exception of the Professional Services Workmanship Error form. General Liability Mandatory $1,000 Property Damage deductible per occurrence on all policies. Coverage Forms included on all policies: GL Commercial General Liability Coverage Form Designated Construction Project General Aggregate Limit Pesticide or Herbicide Applicator Coverage Blanket Additional Insured Ongoing Operations Additional Insured-Lessor of Leased Equipment Blanket Additional Insured Completed Operations Waiver of Transfer of Rights of Recovery Additional Insured Lessor of Leased Equipment Arborist & Landscape Professional Services Optional Forms Employee Benefits Liability Owners & Contractors Protective Designated Location(s) General Aggregate Limit Pollution Liability Limited Coverage Form Designated Sites Automobile Coverage Forms included on all policies: Business Auto Coverage Form Uninsured Motorists Coverage BI Uninsured Motorists Coverage PD Designated Insured Auto Liability - Symbol 1 Physical Damage Symbol 7

4 Optional Coverage Forms: Pollution Liability Broadened Coverage Drive Other Car Rental Reimbursement Coverage Full Glass Coverage (if available in state) Physical Damage deductibles: PPT, Light, & Medium vehicles Heavy & Extra Heavy vehicles $500 Comprehensive $500 Collision $1,000 Comprehensive $1,000 Collision Property $1,000 minimum deductible on all policies Coverage Forms CP Causes of Loss Special Form CP Building & Personal Property Coverage Form CP Extra Expense Coverage Form CP Business Income Coverage Form CP SPARTA Enhancement Endorsement (if filing has been approved by the state) Blanket Limits, Replacement Cost, and Agreed Value are also available. Inland Marine Coverage s available include; Contractors Equipment Rented/Leased Equipment Rental Reimbursement Electronic Data Processing Installation Coverage Unscheduled/Miscellaneous Equipment Replacement Cost is available for equipment less than five years old.

5 Payment Plans 1. Full Payment for accounts generating less than $5,000 in premium 2. 25% down & 3 equal quarterly installments 3. 15% down & 9 equal monthly installments All accounts are direct billed to the client Claim Information Claims will be handled by Avizent. Insured s can report ArborMAX claims directly to A claims kit will be mailed to each insured upon binding a policy with ArborMAX.