Contractors Insurance

Flexible, Competitive Coverages, & Value-Added Services

Bernard Insurance Agency will work hard to help you protect your business by offering an Artisan Contractors Package Program that includes liability coverage.  The program also has a feature that allows you to include optional Inland Marine coverages you may need.
Bernard Insurance Agency Contractors Insurance LA

Available from Bernard Insurance Agency, our Artisan Contractors Package Program makes value and security easy and affordable for you.

We can also facilitate your Bid and Performance Bond needs, If you need a Bid or Performance Bond then simply “click” the link below to print the application. You can fax this to us at FAX 318-797-5688 or email it to [email protected] and we will start the process of getting you approved and quoted.

Bid / Performance Bond Application

Artisan Contractors General Liability

General Liability limits of $300,000, $500,000 or $1,000,000 per occurrence are available.  Also some of our carriers will offer Enhancement Endorsements to give you added coverages.
These endorsements include the following coverage enhancements:Bernard Insurance Agency
  • Blanket Additional Insured
  • General Aggregate Limits Per Location and Project
  • $500 Voluntary Property Damage
  • $25,000 Off Premises Care, Custody and Control Coverage
  • Waiver of Transfer of Rights Against Others
  • Contractors Amendment of Pollution Exclusion (Job Sites)
  • $10,000 Medical Payments
  • Bodily Injury (Mental Anguish)

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Artisan Contractors Inland Marine

In addition to liability coverage, you can add optional Inland Marine coverages that are important to you.Shreveport Contractors Insurance Program

Key coverages include:

  • Tools and Equipment
  • Installation Floater
  • Computer Coverage
  • Contractor’s Office Equipment

The above coverages are available in various limits at affordable premium charges.

A unique feature of our Artisan Contractors Inland Marine coverage is the way the deductible works.  For a covered loss, only one $250 deductible per occurrence applies, regardless of how many coverage parts are triggered by the same loss.

Business Automobile

We offer competitive pricing combined with value-added coverage when your Business Auto is written in conjunction with the Artisan Contractors Package Program.  We include our Master Pak for Commercial Automobile on all our Business Auto policies in most states at no additional premium charge.

Some of the coverages included are as follows:

  • Accidental Air Bag Deployment
  • Waiver of Transfer of Rights of Recovery Against Others to Us
  • Cancellation – 60 Day Provision
  • Cell Phone Coverage – Included if Permanently Installed
  • Amended Fellow Employee Exclusion
  • Glass Breakage – Waiver of Physical Damage Deductible
  • Hired Car Coverage Territory – Worldwide
  • Hired Car Physical Damage – Excess Coverage $35,000 Maximum
  • Parked Auto Collision Coverage – $50 Per Day; $1000 Maximum Private Passenger & Light Trucks
  • Towing & Labor Coverage – Private Passenger Types & Light Trucks Up To $50 Per Occurrence

Workers’ Compensation

In most states, our Workers’ Compensation coverage is enhanced by the Workers’ Compensation Master Pak endorsement, which has the following enhancements:

  • Loss of Earnings
  • Notice of Work in Other States – Extended to 60 Days
  • Notice of Transfer of Rights – Extended to 60 Days
  • Voluntary Compensation Insurance
  • Employers Liability – Stop Gap for monopolistic states
  • Longshore and Harbor Workers Act Coverage
  • Foreign Voluntary Compensation and Employers Liability Reimbursement
  • Unintentional Failure to Disclose Hazards
  • Waiver of Transfer of Rights of Recovery Against Others
  • Liberalization

Commercial Umbrella

In today’s fast-paced construction environment, catastrophic losses can occur any time or place.  Juries have become more liberal in awarding excessive dollar judgements.  The Bernard Insurance Agency offers Commercial Umbrella coverage to help you protect the business you have worked so hard to build.  Limits are available up to $5 million.

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Servicing the Artisan Contractors Package Program

Loss Control Services

We provide an extensive assortment of Loss Control Services to our artisan and construction related insureds in an effort to help you reduce the risk of loss due to job related accidents.Shreveport Artisan Contractors Program

We provide you with many safety services such as:

  • Subcontracting Controls and Construction Contracts
  • Fall Protection and Scaffolding Safety
  • Toolbox Meeting Topics that support OSHA’s emphasis on job site safety
  • Fleet Safety
  • Employment-related Background Check Services
  • Job Site Inspection Checklist

Our professional safety consultants routinely visit larger artisan contractors but other artisan contractors can access our Loss Control Services by contacting us directly.

Claims Service

Our Direct Report/Direct Response (DR/DR) claims reporting service provides fast, responsive help when you need it the most.  Experienced claims professionals are prepared to begin the claims handling process 24 hours a day, seven days a week, 365 days a year.

Billing Services

Commercial Lines Direct Bill’s flexibility gives you more control than most other plans by allowing you to make monthly payments.  With Commercial Lines Direct Bill, you no longer have to pay the entire policy premium in advance and you can coordinate your payments with your cash flow (minimum premium may apply).

To find out more about our Artisan Contractors Package Program contact Bernard Insurance Agency.  Together we can determine which coverages and services will work best for you.

 

Bernard Insurance Agency