PCA2 Program Logo

PCA2 PROGRAM

for Contractor Insurance

This instant on-line insurance price indicator program is geared for smaller artisan contractors and remodel contractors with 0 to 5 employees.

Another contractor insurance program from Preferred Contractors Insurance Company, Risk Retention Group, LLC.

View all acceptable contractors and subcontractors

What is a risk retention group?

PCA2 PROGRAM INSURANCE QUOTE


PROGRAM HIGHLIGHTS


  • Down Payments as low as $264
  • Lapse in Coverage Accepted
  • New Ventures Accepted
  • Monthly Payment Plans
  • Occurrence Form
  • Rates Based on Payroll
  • Same Day Policy Number
  • Blanket Additional Insureds

AM BEST
B Rated (07/25/14)

PCA2 Program on AM Best - The Insurance Information Source logo
PCA2 Program infographic
Compare All Preferred Contractors Insurance Company Risk Retention Group, LLC. Programs

MAXIMUM LIMITS


$1,000,000 Per Occurrence
$5,000,000 General Aggregate
$2,000,000 Products/Completed Ops Aggregate


DEDUCTIBLES


  • $1,000 | $2,500 | $5,000 | $10,000
  • Standard Deductible is $1,000*
  • Discounts for Higher Deductibles

*Applies to property damage and bodily injury on a per claim basis.

PCA2 PROGRAM GUIDELINES

  • Maximum 5 Field Employees
  • $150,000 Maximum Annual Payroll  –Owner excluded
  • $500,000 Maximum Annual Gross Sales
  • 50% Maximum Subcontracting Cost (General Contractors may sub out up to 100%)
  • Condos and Town homes – Work on single unit owners or common areas only. No structural work.
  • Incidental roofing allowed in conjunction with room additions (subject to $25,000 sub limit)
    – (OK for General Contractors in conjunction with remodels and room additions)
  • No framing as a subcontractor
    – (OK for General Contractors in conjunction with remodels and room additions)
  • No foundations as a subcontractor
    – (OK for General Contractors in conjunction with remodels and room additions)
  • No general contractors performing new ground up construction

PCA2 PROGRAM MAP

(Click Map to Enlarge)

PCA2-program-map

PCA2 PROGRAM

ADDITIONAL COVERAGE OPTIONS / ENDORSEMENTS

  • Blanket Per Project Aggregate
  • Blanket Additional Insured – Completed Operations / CG2037 Equivalent
  • Blanket Your Work – 1185 Equivalent (Commercial Work Only)
  • Blanket Waiver of Subrogation
  • Blanket Primary/Non-Contributory Wording
  • Buildings and Structures Exceeding 3 Stories (Exterior)
  • Schools & Recreation Facilities
  • Heating Devices
  • Hospital Work
  •  Additional Insured Endorsements for HOAs

PCA2 PROGRAM

TRADE CONTRACTORS WELCOME

Over 30 Subcontractor Classes Accepted

  • A/C and Refrigeration
  • Air Conditioning Systems Installation
  • Appliance and Accessories Installation – No dishwasher work
  • Carpentry (Interior/Woodwork/Shop)
  • Concrete (Flat)
  • Concrete (Foundations) – Commercial work only, *(no foundation repair)
  • Debris Removal *(Demo work allowed with Bobcat or similar)
  • Door & Window Installation
  • Drywall
  • Fencing
  • Floor Covering Installation
  • Garage Door Installation
  • Glass Installation/Glazing
  • HVAC
  • Janitorial
  • Landscaping – *(Ground or Ladder Tree Trimming Only)
  • Handyman
  • Masonry
  • Painting Interior/Exterior
  • Sheet Metal
  • Siding and Decking
  • Tile and Marble Installation
  • General Contractor
  • Water Drilling
  • Grading
  • Metal Erection
  • Insulation
  • Water/Sewer Mains
  • Septic Install
  • Plumbing
  • Prefabricated Homes
  • Pressure Washing *(No Roofs, Roof Decks, Condo or HOA work)
  • Welding
  • Plaster/Stucco *(No condo or HOA work, no swimming pools)

PCA2 PROGRAM QUOTE & BIND PROCESS

Our user-friendly online system allows you to quote and apply all in one place. Your application and policy offer will be emailed to you using Adobe EchoSign.

EchoSign is the easiest online signing experience in the industry – so you’ll get your policy bound quickly. You’ll receive an email with a link to your policy offer which is loaded into a web browser, so no downloads or software installations are needed! Then, review and e-sign instantly online or offline with a mouse, stylus or by typing your name. If you’d prefer, we can still use the good’ol fashioned print and fax!

PCA2 Program Quote & Bind Online

PCA2 PROGRAM ARTICLES & UPDATES

Preferred Contractors Rating Outlook to Stable (B+)

OLDWICK, N.J. - JULY 25, 2013 A.M. Best Co. has revised the outlook to stable from negative and affirmed the financial strength rating of B+ (Good) and issuer credit rating of “bbb-” of Preferred Contractors Insurance Company Risk Retention Group, LLC (PCIC)...

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