This program is designed for ARTISANS (skilled craftpersons) such as plumbers, electricians, carpenters, painters, and alike as well as SERVICE oriented businesses such as lawn care, janitorial, and pool maintenance services.

YOU MAY OBTAIN AN IMMEDIATE QUOTE BY RATING ONLINE AT: www.gicunderwriters.com

Limits

Maximum Limit in $1,000,000 each occurrence and $2,000,000 aggregate Bodily Injury and Property Damage

Coverage

We will offer Commercial General Liability Occurrence Form

• Premises and operations

• Products/Completed operations
• Personal Injury and Advertising Liability
• Damage to Premises Rented to You (Fire Damage)
• Medical Expenses

Policy Forms and Rates

Insurance Service Office and GIC Rules, Rates, and Forms apply in all cases

Territory

State of Florida ONLY

Sub Contract Work

Does the GL policy cover the insured if the Named Insured subcontracts out part or all of its work? Yes, the Granada GL policy would afford coverage to Granada's insured, so long as the operations performed by the subcontractor fall within the Classifications of the subject policy, subject of course to all terms, conditions and exclusions of the policy.

Insured Hired As Sub Contractor

Does the GL policy cover the insured if the Named Insured was hired as a Sub Contractor? Yes the Granada GL policy would afford coverage to Granada's insured, so long as the operations performed by Granada's insured fall within the Classifications of the subject policy, subject of course to all terms, conditions and exclusions of the policy.

91111	Air Conditioning Products-Completed Operations available for this class code This classification applies to risks engaged in sales and installation, servicing, or repair of air conditioning systems or equipment. This classification also applies to risks engaged only in installation, servicing, or repair of air conditioning systems or equipment. This classification includes: -The sales and installation of ducts and piping -Shop and display rooms The sales of household type appliances including room air conditioners shall be separately classified and rated.
91127	Alarm and Alarm Systems Installation Service or Repair Products-Completed Operations is not available for this class code The installation, servicing, or repair of fire suppression systems shall be separately classified and rated.
91155	Appliance Installation Service and Repair-Commercial or Household. Products-Completed Operations Available for this class code Television or radio receiving set installation or repair shall be separately classified and rated.
98885	Awnings- Canvas or Metal Products-Completed Operations available for this class code
91315	Cable or Subscription Television Companies Products-Completed Operations included in the code This classification applies to the installation of TV cable lines and equipment at the customer's premises.Cable TV line construction-not eligible for this program.
91341	Carpentry Interior Products-Completed Operations available for this class code This classification includes the installation of doors, windows or cabinets. This classification is not applicable to contractors engaged in any other carpentry operations at the same job or location. Wood Flooring – Installation or Refinishing – Use code 91344.
91343	Carpentry - shop only Products-Completed Operations available for this class code This classification applies to the building/constructing/assembling of cabinets, doors, windows etc.without installation, servicing or repair.If the applicant also installs the built items, add a second class code 91341-Carpentry-interior.
91405	Carpet Furniture or Upholstery Cleaning Products-Completed Operations included in the code
91436	Ceiling and Wall Installation Metal Products-Completed Operations available for this class code Ceiling or wall installation other than metal shall be separately classified and rated as "Dry Wall or Wallboard Installation" or "Carpentry" Ceiling or wall installation other than metal shall be separately classified and rated as "Dry Wall or Wallboard Installation" or "Carpentry"
91555	Computer Service Or Repair Products-Completed Operations is not available for this class code This classification applies to risks specializing in installation, service or repair of computers or computer-related equipment not sold by the insured. An insured who sells computers or computer equipment and also services or repairs computers – is NOT eligible for this classification. Sales and service or repair of computers is to be classified and rated as “Computer Stores”.
91560	Concrete Construction Products-Completed Operations is not available for this class code This classification applies to those risk solely engaged in the concrete pumping operations.
91629	Debris Removal - Construction Site (ONLY) Products-Completed Operations is not available for this class code This classification applies to those risks solely engaged in the removal of debris in connection with construction or erection. Garbage, Ash or Refuse Collecting - Unacceptable Salvage operations - Unacceptable Asbestos or mold removal - Unacceptable Roof Tear Off - Unacceptable Demolition/Wrecking sites clearing - Unacceptable
91746	Door or Window Installation Metal or Vinyl Products-Completed Operations available for this class code The installation of doors or windows not metal shall be classified as “"Carpentry"”
92215	Driveway or Sidewalk Paving or Repaving Products-Completed Operations available for this class code The following shall be separately classified and rated: -Clearing of right-of-way -Earth or rock excavation -Filling or grading of land
92338	Drywall Installation Products-Completed Operations is not available for this class code DRYWALL – installation has two components – “Hanging” and “Taping” - “Hanging” consists of attaching the wallboard to wall studs and ceiling. “Taping” consists of sealing the wallboard seams with tape and then applying a finish to the seams. Plastering- to be separately classified and rated – see – code 98449
92451	Electrical Apparatus - installation, servicing or repair Power line construction - Not eligible for this program
92478	Electrical Work in Buildings Products-Completed Operations available for this class code This classification applies to risks engaged in wiring in buildings and includes installation or repair of electrical fixtures and appliances and incidental outside work. Installation of alarms or alarm systems and electrical machinery or auxiliary apparatus shall be separately classified and rated
94276	Fence Erection Products-Completed Operations available for this class code This classification applies to risks that only install or erect fences. Risks that sell fences to the general public shall be separately classified and rated as “Fence Dealers
94569	Floor Covering Installation Not Tile or Stone or Wood Products-Completed Operations available for this class code
94590	Floor Waxing - Unacceptable
97224	Garage Door and Opening Apparatus -installation, service or repair-No Manufacturing or Distribution. Products-Completed Operations available for this class code
95233	Garbage, Ash or Refuse Collecting Products-Completed Operations included in the code This classification is intended for those risks that randomly collect garbage or refuse.These risks will typically collect valuable recyclables and in turn make profit.Common recyclables include metal, paper, and used kitchen oil. Random Scrap Metal Collecting Cardboard Box Collecting Pallet Collecting Personal Debris Removal (old refrigerators, AC Units) Kitchen Oil Removal Construction Debris Removal- See code 91629 Debris Removal – Construction Site Landscaping Debris Removal- Unacceptable Regular Solid Waste Removal (such as Waste Management)- Unacceptable
95410	Grading of Land Products-Completed Operations is not available for this class code The following shall be separately classified and rated: Landscaping Not eligible for this program: Grading of Land including: Excavation of canals or cellars or Street or road constructions or Tunneling
95505	Guniting or Shot-crete - Unacceptable
98886	Gutter/Fascia Installation, Service, Repair Products-Completed Operations available for this class code
95647	Heating or Combined Heating and Air Conditioning Systems or Equipment - installation, servicing or repair - No liquefied petroleum gas(LPG) equipment sales or work. Products-Completed Operations available for this class code This classification applies to risks engaged in: - Sales and installation, or installation, servicing or repair of heating or combined heating and air conditioning systems or equipment excluding any equipment using LPG as an energy source. This classification does not apply to risks engaged in: - Sales and installation, or installation, servicing or repair of any equipment using LPG as an energy source
95648	Heating or Combined Heating and Air Conditioning Systems or Equipment-installation, servicing or repair.-using LPG Products-Completed Operations available for this class code Please submit to company for quote. This classification applies to risks who are engaged in: - Sales and installation, or installation, servicing or repair of heating or combined heating and air conditioning systems or equipment if any such system or equipment uses LPG as an energy source This classification does not apply to risks engaged in the sales and installation,servicing or repair of heating or combined heating and air conditioning systems or equipment if none of such systems or equipment uses LPG as an energy source.
91151	Hood Duct Cleaning – Restaurant Kitchens Products-Completed Operations available for this class code
96053	House Furnishing Installation Products-Completed Operations available for this class code This classification includes incidental upholstering and floor covering installation
96816	Janitorial Services – No supermarkets or superstores. Products-Completed Operations included in the code -Tile, Stone, Marble, Mosaic or Terrazzo Work is to be separately classified and rated under Code 99746 -Floor Waxing – is to be separately classified and rated under Code 94590 -Window Cleaning – is to be separately classified and rated under Code 99975 Window cleaning, painting, maintenance, or repair at any location where such contractor does not also perform janitorial services shall be separately classified and rated
95625	Handyperson - Minor Repairs in a household environment - no subcontracted work Products-Completed Operations available for this class code
97047	Landscape Gardening Products-Completed Operations included in the code This classification includes: -Laying out grounds, planting trees, shrubs, flowers, or lawns -Interior landscaping Excavation - Not eligible for this program. Coverage is included for incidental application of "over-the-counter" herbicides or pesticides on lawns under the insured's regular care, under Endorsement GICGL807
97050	Lawn Care Services Products-Completed Operations included in the code This classification applies to risks which provide services for lawn care, such as mowing fertilizing, edging or cleaning lawns, including removal of leaves, or preventing growth of, or killing weeds.Coverage is included for incidental application of "over-the-counter" herbicides or pesticides on lawns under the insured's regular care under Endorsement GICGL807.
98484	Lawn Sprinkler-Installation, Servicing or Repair Products-Completed Operations available for this class code
97650	Metal Erection – decorative or artistic – nonstructural –no balconies, no railings, no staircases Products-Completed Operations is not available for this class code This classification applies to risks whose predominant operation is the installation or erection of metal work. This classification includes shop operations in connection with metal work installed or erected by the insured. Shop operations in connection with metal work not installed or erected by the insured shall be separately classified and rated
98111	Office Machines or Appliances-installation, inspection, adjustment or repair Products-Completed Operations included in the code This classification includes shop operations. The following shall be separately classified and rated - Computer Service or Repair
98304	Painting-interior Or Painting – exterior building or structures three stories or less in height Products-Completed Operations available for this class code Painting of steel structures and bridges - Unacceptable
98344	Paper Hanging Products-Completed Operations available for this class code
98449	Plastering or Stucco Work Products-Completed Operations available for this class code PLASTERER - Apply a decorative covering to the inside or outside walls of a building or structure to create a finish look. Excludes exterior insulation and finish system (EIFS) work. Swimming Pool Resurfacing-Unacceptable
99952	Pressure Cleaning Products-Completed Operations available for this class code This classification applies to risks engaged in cleaning the outside surfaces of buildings, mobile homes, decks,driveways, awnings,gutters,entranceways and sidewalks.
98483	Plumbing –Residential or Commercial Products-Completed Operations available for this class code This classification applies to BOTH Residential/Domestic and/or Commercial plumbing operations. Only accounts with a minimum Payroll of $33,400 are eligible for this classification. The following shall be separately classified and rated: -Sales of appliances -Installation, servicing and repair of heating systems or units or liquefied petroleum gas systems and piping -Sales of fixtures and supplies which are not to be used in connection with the insured’s installation, service, or repair operations
98636	Refrigeration Systems or Equipment Dealers and Distributors and Installation Servicing Products-Completed Operations available for this class code This classification applies to risks engaged in: -Sales and installation, servicing, or repair of refrigeration systems or equipment -Installation, servicing or repair of refrigeration systems or equipment only This classification includes: -The sales and installation of ducts and piping -Shop and display rooms
91747	Screen Porches, Aluminum – Installation Products-Completed Operations available for this class code
98805	Septic Tank Systems Cleaning Products-Completed Operations is not available for this class code
98806	Septic Tank Systems Installation Servicing or Repair Products-Completed Operations is not available for this class code This classification includes house connections, shop and display rooms.
98884	Sheet Metal-Canvas Work-outside - Unacceptable This classification includes incidental shop work. Roofing work - ineligible for this program Duct work in connection with the installation of air conditioning or heating systems by the insured shall be separately classified and rated under the appropriate "Air Conditioning or Heating installation, servicing or repair" classification.
91748	Shutters – Window and Door Protection Products-Completed Operations available for this class code
98967	Siding Installation Products-Completed Operations available for this class code Wood siding installation shall be separately classified and rated as “"Carpentry"”
98993	Sign Erection Installation or Repair Products-Completed Operations available for this class code This classification includes shop operations
99004	Sign Painting or Lettering on Buildings or Structures Products-Completed Operationsot available for this class code This classification includes shop operations and the existence hazard of signs located away from the insured’s premises. For spray painting operations, a property damage deductible of $500.00 per claim applies. Use Deductible Liability Insurance Endorsement CG 03 00. This is an NPD classification with “Advertising Sign Companies – outdoor” or “Sign Erection and Repair
99003	Sign Painting or Lettering - inside of buildings. Products-Completed Operations available for this class code This classification includes shop operations and the existence hazard of signs located away from the insured's premises. For spray painting operations, a property damage deductible of $500 per claim applies. Use Deductible Liability Insurance Endorsement CG 03 00. This is an N.P.D. classification with "Advertising Signs companies - outdoor" or "Sign Erection or Repair".
99471	Surveyors - land - not engaged in actual construction. Products-Completed Operations included in the code This classification applies to risks in the business of providing surveying services but not engaged in actual construction. Professional Services excluded. Draftsmen shall be separately classified and rated. This is an N.P.D. classification.
99505	Swimming Pool Maintenance-maintenance of water chemical balance, cleaning/replacing filters, vacuuming & scrubbing-No other installation, service or repair Products-Completed Operations included in the code This classification applies to risks engaged in routine maintenance of water chemicals, cleaning and replacing filters, vacuuming and scrubbing.Equipment installation, service, repair, resurfacing, painting or pump work must be separately classified and rated. Swimming Pool Resurfacing - Unacceptable
	Swimming Pool Pump - Installation, service or repair. Rate using code 92478 (Electrical Work in Buildings) Products-Completed Operations available for this class code
99650	TV or Radio Set Installation or Repair Products-Completed Operations available for this class code This classification includes the erection of antennas
99746	Tile Stone or Terrazzo Work - installation, repair, polishing, resurfacing (Floors, walls, countertops) Products-Completed Operations available for this class code This classification includes the installation of tiles around swimming pool areas, walkways and patios.
99747	Tile or Grout Cleaning Products-Completed Operations available for this class code
99826	Upholstering Products-Completed Operations available for this class code
99948	Water Softening Equipment - installation, servicing or repair Products-Completed Operations available for this class code This classification includes: Incidental plumbing Sales of water softening equipment to be used in connection with the insured's installation, service or repair operations. The following shall be separately classified and rated: Sales of water softening chemicals Sales of Water Softening Equipment which is not to be used in connection with insured's installation, service or repair operations, rate as Stores No Food or Drink
99969	Welding or Cutting - Unacceptable
99975	Window Cleaning Products-Completed Operations included in the code This classification applies to businesses whose operation is interior window washing or exterior window washing in buildings not exceeding three stories in height.
96408	Window Tinting Products-Completed Operations available for this class code This classification applies to the installation or applications of Window tinting material in buildings or automobiles.
91344	Wood Flooring – Installation or Refinishing Products-Completed Operations available for this class code

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