Artisan Contractor Program Created by Artisan Contracting Specialists   Classes of Contractors Coverages Available Concrete Cutters Electrical Fencing Glaziers Heating and Air Conditioning Home Installation Masonry Tile Swimming Pool Builders and Related Trades Commercial General Liability Commercial Automobile -Liability -Physical Damage Commercial Property Real & Personal Inland Marine Workers Compensation Excess Liability and Umbrella How does RMI stack up against the Competition? Specialization Carrier has provided coverage to Artisan Contractors for over 12 years "A" Rated Carrier Soon to be available on Admitted basis Broad Coverages Both Residential and Commercial, including Apartments Tract Projects NO mandatory tract exclusion, except Tile Contractors Prior Work Covered Occurrence form with no Prior Work Exclusion Subcontractors Covered You are protected even if your sub is inadequately insured Additional Insureds Certificates available for both residential and commercial jobs Primary Wording Available at NO CHARGE Waiver of Subrogation Available at insured’s option Low Minimum Premium Minimum Premium is only $2500 per year Monthly Pay Plans NO costly finance charges for monthly pay Deposit Security deposit rolls to next year at renewal Audits Audits both up and down. No minimum annual earned premium