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CONTRACTORS BUSINESSOWNERS POLICY with Pioneer State Mutual

A Strong Foundation for Protecting Your Business.

Building a successful business can be difficult – protecting it shouldn’t be. For more than 100 years, Michigan-based Pioneer State Mutual Insurance Company has been providing comprehensive insurance coverage while setting the standard for exemplary service. With easy access to our responsive team of professionals, we’re truly committed to serving your best interests and protecting your business assets. With a wide range of options, we can provide a custom-fit solution specifically for your contracting business.

Our features include:

  • Contractors’ Installation, Tools and Equipment Coverage (PBP 0701)
  1. Installation - $3,000 each job site; increased limits available up to $100,000; $5,000 In-Transit; $5,000 temporary storage (three times the limit of insurance at each job site)
  2. Tools & Equipment - $3,000 limit / max $2,000 any one item. Increased limits available.
  3. Non-Owned Tools & Equipment - Up to $50,000
  4. Employee Tools - Up to $10,000
  • Automatic Increase feature for Building Limits
  • No Coinsurance
  • Exterior Signs Attached to Buildings - $1,000 per sign
  • Electronic Data - $10,000 limit / up to $50,000
  • Interruption of Computer Operations - $10,000 limit
  • Fire Department Service Charge - $2,500 limit / up to $10,000
  • Fire Extinguisher Recharge - $5,000 limit
  • Money & Securities - $5,000 inside premises; $2,000 outside premises / up to $50,000 for either
  • Business Income - Actual loss sustained within twelve (12) consecutive months

Property Highlights

  • Business Income from Dependent Properties - $5,000
  • Debris Removal - 25% of loss
  • Outdoor Property - $2,500 including fences, TV/radio antennas
  • Personal Property off Premises - $10,000
  • Transit Coverage - $10,000
  • 25% Seasonal Increase of Business Personal Property
  • Valuable Papers & Records - $10,000 on Premises, $5,000 off Premises
  • Accounts Receivable - $10,000 on Premises, $5,000 off Premises

Liability Highlights

  • Blanket Contractual
  • Personal and Advertising Injury

We also offer:

  • Businessowners Advantage (PBP ADV)
  • Office Businessowners Advantage (OBP ADV)
  • Retail/Wholesale Businessowners Advantage (RWBP ADV)
  • Contractors Businessowners Advantage (CBP ADV)

Optional Property Coverages - Highlights

  • Equipment Breakdown
  • Water Backup and Sump Overflow - Limit up to $100,000
  • Rental Reimbursement Contractors’ Machinery / Mobile Equipment
  • Cyber Suite Coverage
  • Blanket Building
  • Blanket Business Personal Property
  • Employee Dishonesty
  • Actual Cash Value
  • Agreed Value
  • Utility Services - Direct Damage &/or Time Element
  • Ordinance or Law

Optional Liability Coverages - Highlights

  • Additional Insured Endorsements / Blanket Endorsement
  • Blanket Transfer of Rights of Recovery (also available in the Contractors Advantage)
  • Contractors’ Errors and Omissions Coverage
  • Pesticide or Herbicide Applicator Coverage
  • Damage to Property - Up to $25,000
  • Employee Benefits
  • Employment Related Practices
  • Primary/Noncontributing
  • 30 DNOC

Classifications Eligible for Contractors’ Errors and Omissions Coverage

  • Air Conditioning
  • Appliances & Accessories
  • Cable Installation
  • Concrete Construction
  • Drilling-Water
  • Driveway/Parking Paving
  • Electrical Work
  • Excavation
  • Fence Erection
  • Floor Covering Installation
  • Furniture or Fixtures
  • Glass Dealers
  • Grading of Land
  • Heating & Air Conditioning
  • House Furnishings
  • Interior Decorators
  • Landscape Gardening & Lawn Care Services
  • Lawn Sprinkler
  • Masonry
  • Metal Erection (Decorative - No Structural)
  • Office Machines
  • Plumbing
  • Septic Tank Systems
  • Tile, Stone Interior Work
  • Water Softening Equipment
Check out our mobile app! With it you can pay bills, report claims, get your policy documents, and even access your Proof of Insurance!

Discounts Available!

  • Paid in Full Discount - 5% (Subject to Policy minimum)
  • Multi-Policy Discount - 10% (With Commercial Auto or Commercial Umbrella)

Guaranteed Rate Lock!

  • Your rates may be locked for three years
  • No additional premium charge

Check out our Mobile App!

This brochure is intended to be a broad summary of the insurance coverages provided by a Contractors Businessowners policy. The information here is subject to policy terms and exclusions and does not replace your policy language. Read your full policy carefully, and ask your Independent Insurance Agent if you have specific questions.

Credits:

Created with images by guruXOX - "Closeup of electrician engineer works with electric cable wires"

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