Frank Crum Stillmore Georgia, Emanuel County

Frank Crum Stillmore Georgia, Emanuel County

Call us today for your Contractor’s Workers Comp, Ghost Workers Comp, and General Liability- 678-682-9700

Frank Winston Crum is providing General Liability and Workers compensation insurance for Stillmore Georgia, Emanuel County contractors.   Your Independant Insurance Brokers America Insurance Brokers provides Stillmore Georgia, Emanuel County contractors a variety of insurance solutions:

Calling America Insurance Brokers provides you with a huge selection of solutions from a single insurance broker.

Tired of calling one company to get proof of workers comp and then another carrier to get your general liability and then heaven forbid a third company for the Commercial auto or other insurance?  America Insurance brokers provides the Stillmore Georgia Contractor a single call or e-mail to obtain proof of insurance for ALL of the insurance provided.

Frank Crum does a GREAT job at providing a 66 class codes of business for General Liability in Stillmore Georgia, Emanuel County:

Code Classification Other Operations Not Included in This Class Which You May Also
Want to List and Insure		 Tips for this class
13590 Stillmore Georgia Glass dealer / glazier Includes bending, grinding, beveling or silvering of plate glass, installation of glass and incidental store and showroom premises exposures only if specifically declared to and accepted in writing by the company providing this insurance. Excludes any exterior work on buildings over three stories in height, premises exposure from associated showroom or retail space are excluded but can be added with prior underwriting approval.
Includes tinting and application of insulating film to windows (building only, work on motor vehicles, boats, and aircraft is not covered.
14913 Stillmore Georgia, Emanuel County Locksmith Covers typical locksmith activities.
91111 Stillmore Georgia Air conditioning systems Heating and/or Air Conditioning installation, service, or repair, Drywall repair, painting and carpentry. Includes incidental duct work and spot welding where required. Ineligible exposures include retail sales of household type appliances, industrial exposures, duct cleaning, liquid propane gas air conditioning units and use of cranes, bucket trucks, or lifts is excluded but can be added with prior underwriting approval. Includes incidental spot welding.
91127 Alarm and alarm systems – installation, service, or repair Electrical work within buildings, Electrical Apparatus – installation, service, or repair Includes incidental sales. Excludes monitoring activities and fire or smoke suppression systems.
91150 Stillmore Georgia, Emanuel County Appliance and accessories installation, service, or repair – commercial Electric work and work on office machines, service or repair of any electronic apparatus as TV and radio set install. Ineligible exposures include restaurant hood service or repair, retail appliance stores or dealers, work on any gas appliances, manufacturing, storing or distribution of liquid propane and residential appliance repair.  Includes motorized hurricane shutters (also include 92451 – electrical apparatus classification).
91155 Appliance and accessories installation, service, or repair – residential Office machine or commercial appliance installation or service, TV or radio receiving set. Ineligible exposures include restaurant hood service or repair, appliance stores or dealers’, work on any gas appliances, or any manufacturing, storing or distribution of liquid propane and residential appliance repair.
Premises exposure from associated showroom or retail space is excluded but can be added with prior
underwriting approval. Includes motorized hurricane
91315 Stillmore Georgia, Emanuel County Cable or subscription TV – residential or commercial, TV or radio receiving installation or repair. Telephone or computer line installation is acceptable. Ineligible exposures include cable TV line construction, fiber optic cable work, cell phone tower work and directional drilling. Check exposures if municipalities are requested as additional insured’s as this may indicate line construction and not merely installation. Use of cranes, bucket trucks, and lifts is excluded but can be
added with prior underwriting approval. Payroll included for clerical, salespersons, collectors and messengers
91340 Stillmore Georgia Carpentry construction residential Concrete construction- form work, carpentry interior and remodeling. Includes screened room enclosures, framing, rough work, and similar carpentry exposures – it is not a general catchall class for residential construction or remodeling. Use of cranes, bucket trucks, and lifts is excluded but can be added with prior underwriting approval.
91341 Carpentry interior Drywall, painting, door and window installation-metal, cabinet or woodworking shop. Includes laminate, paneling, composite windows, molding installation and manufacturing. Add Carpentry Shop class. Ineligible exposures include abatement work.
91342 Stillmore Georgia, Emanuel County Carpentry construction – commercial Concrete construction- form work. Ineligible exposures include any interior work such as carpentry shop and residential construction, abatement work, marine and dock or retention wall work. Use of cranes, bucket trucks, and lifts is excluded but can be
added with prior underwriting approval.
91343 Carpentry –shop Carpentry Interior, carpentry construction residential, carpentry construction commercial and house furnishings installation. If installing as well as manufacturing add carpentry Interior class. Ineligible exposures include lumberyards, building material dealers and home improvement stores.
91344 Stillmore Georgia, Emanuel County Remodeling Includes specific coverage for 24 different classifications (see FCG 1010) when solely performed in the construction, renovation, or repair of an existing room in an already existing structure or new room addition in an already existing structure. Contractors with general contractor or builder licenses are eligible for this class
91405 Stillmore Georgia Carpet, rug, furniture or upholstery cleaning Janitorial Ineligible exposures include disaster recovery or flood damage services and crime scene clean-up.
91436 Ceiling or wall installation Drywall and carpentry. Includes acoustical and drop down ceiling tile/panel
work. Ineligible exposures include welding.
91481 Chimney cleaning Does not include roofing activities or chimney repair or construction.
91551 Stillmore Georgia, Emanuel County Communication Equipment Installation – Industrial or Commercial Cable or subscription TV – residential or commercial Includes wiring, cables and circuits for telephone and communications equipment such as computers, telephone, cable TV, satellite TV, Antennas (up to 30 feet) and building connections operating at less than 50 volts. Excludes burglar, fire alarm or emergency systems work, outside electrical power line construction, telephone, telegraph, cable TV line construction,
household communication equipment and household appliances.
91560 Stillmore Georgia Concrete construction Grading of Land, driveway, parking area or sidewalk paving. Decorative work is included within this class. If staining or sealing concrete add Exterior painting 98304 or waterproofing 99955 class codes. If erecting precast concrete or granite posts add Fence Erection 94276 class code. Ineligible exposures include underpinning or foundation repair, swimming pool construction, playground work. Use of cranes, bucket trucks, and lifts is excluded but can be added with prior underwriting
approval.
91629 Stillmore Georgia, Emanuel County Debris removal Garbage, ash or refuse collection. Ineligible exposures include asbestos removal, mold remediation, demolition services and salvage operations.
91746 Door and window installation Carpentry and appliance installation. If also installing garage door openers, add class Appliance Installation, Service or Repair 91155 (Residential) or 91150 (Commercial). Ineligible exposures include elevator servicing, fire doors or detention facilities.
92215 Stillmore Georgia Driveway, parking area, or sidewalk paving Concrete construction and grading of land. If also installing concrete flat work add class concrete construction 91560. Curb work is acceptable. Ineligible exposures include no work on streets, roads, highway or right of ways. Excludes clearing of right-of-way, earth or rock excavation, filling and grading of land. Includes tennis court construction, repair, and resurfacing
exposures only if specifically declared to and accepted in-writing by the company providing this insurance.
92338 Stillmore Georgia, Emanuel County Drywall or wallboard installation Plastering or stucco and interior painting. Foreign and imported drywall products are excluded by FCG 999. Use of cranes, bucket trucks, and lifts is excluded but can be added with prior underwriting
approval.
92451 Electrical apparatus – installation, service, or repair Electrical work in buildings, Alarm and alarm systems – installation, service, or repair Includes exterior lighting and electrical work. Excludes power line construction, repair, or service, and burglar or fire alarm system work and hospital, dental, or medical equipment. Ineligible exposures include work on life safety equipment for the disabled or handicapped.
92478 Electrical work within buildings Electrical apparatus, HVAC, cable installation, Alarm and alarm systems – installation, service, or repair For low voltage wiring, use cable or subscription TV installation class 91315. Ineligible exposures include alarm system installation, fiber optic cable work, industrial work and cell phone tower work.
94007 Stillmore Georgia, Emanuel County Excavation Grading of land Covers exposures up to 8 feet maximum depth.  Risks with exposures over 2 feet in depth written on submit basis. Use of utility locator service prior to breaking ground is condition precedent to coverage.
94276 Stillmore Georgia Fence erection contractor Includes incidental spot welding where required. Ineligible exposures include mobile home tie-downs that resemble fencing, construction, pool, retention ponds or safety fence work, fence dealers, swimming pool child safety fence and highway guardrails. Includes incidental
spot welding and cutting.
94569 Floor covering installation (carpet, linoleum, etc.) – not ceramic tile or stone Tile, stone, marble, mosaic, terrazzo and carpentry -interior. Wood flooring installation is included in the Carpentry Interior class 91341. Ineligible exposures include artificial turf installation indoor or on athletic fields or parks. Premises exposure from associated showroom or retail space is excluded but can be added with prior
underwriting approval.
95124 Furniture/fixtures installation Carpentry and electrical work. Ineligible exposures include bleacher erection, movers or truckers, installation of hospital, dental or medical equipment.
95233 Stillmore Georgia, Emanuel County Garbage, ash or refuse collecting Debris removal and construction site clean-up. Ineligible exposures include industrial or medical waste collection, landfills, dumps, and fertilizer plants.
95410 Grading of land Landscape gardening, excavation Use of utility locator service prior to breaking ground is condition precedent to coverage. Ineligible exposures include firebreak work, swimming pool site construction –
no excavation deeper than 3 feet.
95625 Stillmore Georgia Handyperson Remodeling Covers both commercial and residential work.  Excludes subcontracted work, and roofing or roof related exposures. Excludes any work for which license is required. Use of cranes, bucket trucks, and lifts is excluded but can be added with prior underwriting approval.
95647 Heating and air conditioning systems installation, service, or repair Drywall, painting and carpentry-interior. Includes incidental duct work and spot welding where required. Ineligible exposures include any gas air conditioning units, manufacturing, storing or distribution of liquid propane, work in hospital or eldercare facilities, wood, coal or oil-burning stoves, boiler work. Use of cranes, bucket trucks, and lifts is excluded but can be
96053 Stillmore Georgia, Emanuel County House furnishing installation – includes incidental upholstery and sign installation Upholstery, interior decorators, floor covering installation, handyperson, carpentry and furniture/fixtures
installation.		 Premises exposure from associated showroom or retail space are excluded but can be added with prior underwriting approval.
96408 Insulation install – plastic Insulation install–mineral. Ineligible exposures include asbestos or formaldehyde products.
96410 Insulation install –mineral Insulation install–plastic. Ineligible exposures include asbestos or formaldehyde products.
96611 Stillmore Georgia, Emanuel County Interior decorators House furnishing installation, appliance installation, service, or repair. Ineligible exposures include construction, installation or repair work performed by insured or subcontracted to others. Premises exposure from associated showroom
or retail space is excluded but can be added with prior underwriting approval.
96816 Stillmore Georgia Janitorial Window cleaning, painting, debris removal/construction site clean-up, carpet, rug, furniture and upholstery cleaning-on customer’s premises. Excluded exposures include duct cleaning, disaster recovery or flood damage remediation work, crime scene clean-up, exterior work over 3 stories and propane floor polisher, waxer and/or buffers. Work at 24-hour store sites is ineligible, as is floor waxing conducted during normal business hours.
97047 Landscape Gardening Lawn care, grading of land, driveway, parking area or sidewalk paving, masonry, excavation Includes exterior lawn sprinkler work and herbicide/pesticide application of over-the-counter formulas. Includes incidental tree limb pruning if conducted solely while standing directly on the ground – tree removal and stump grinding are excluded. Use of cranes, bucket trucks, and lifts is excluded but can be added with prior underwriting approval. Excludes snow and ice removal and snowplow activities.
97050 Stillmore Georgia, Emanuel County Lawn care Landscape gardening Ineligible exposures include pesticide/herbicide work other than over-the-counter products, tree removal or stump grinding, tree trimming from other than ground level, sod dealers, Use of cranes, bucket trucks, and lifts is excluded but can be added with prior underwriting approval. Excludes snow and ice removal and snowplow activities.
97220 Air cooled engine service or repair Ineligible exposures include work on auto, recreational vehicles such as boats, motorcycles, welding and cutting.
97221 Stillmore Georgia Machine shop Written on a submit basis. Includes incidental welding and cutting on Insured’s premises.
97222 Machinery – installation, service, or repair Written on a submit basis. Includes incidental spot welding.
97447 Stillmore Georgia, Emanuel County Masonry Tile, stone – interior, plastering, stucco, waterproofing and exterior painting. Ineligible exposures include swimming pool work below water line and quarry work (operations which require draining of pool is ineligible).
98111 Office machine or appliances installation and service Ineligible exposures include computers or computer- related equipment such as printers. Premises exposure from associated showroom or retail space are excluded but can be added with prior underwriting approval.
98304 Stillmore Georgia Painting – exterior Waterproofing, cleaning outside surfaces of buildings, carpentry, painting of parking lot lines. Ineligible exposures include work over 3 stories. Excludes painting of tanks and towers. Use of cranes, bucket trucks, and lifts is excluded but can be added with prior underwriting approval.
98305 Stillmore Georgia, Emanuel County Painting –  interior Drywall, paperhanging, carpentry
interior and Handyperson.
98344 Paperhanging Drywall, carpentry interior, painting interior and interior decorating.
98449 Stillmore Georgia Plastering and stucco Drywall and carpentry. Ineligible exposure includes exterior stucco work such as E.I.F.S. (Exterior Insulation and Finish Systems).
98502 Stillmore Georgia, Emanuel County Prefabricated building erection Covers erection of small prefab buildings – primarily metal – storage sheds and the like. No work over 2 stories. Includes incidental welding and cutting. No boat storage facilities for marinas.
98677 Roofing – commercial Roofing – residential, sheet metal work, painting, waterproofing. This class only available on a submit basis for applicants with documented profitable experience. Excludes all hot tar, torch down, and membrane work. Minimum premium of $7-9,000 and minimum deductible of $2,000 apply to any policy with this class. All risks with this class are on a submit basis only. “Part time roofers” (risks which have the bulk of their operations in other operations but do some roofing) are not desirable. A completed FWCI roofing supplement is required for submission.
98678 Stillmore Georgia, Emanuel County Roofing – residential Roofing – commercial, sheet metal work, painting and waterproofing. This class only available on a submit basis for applicants with documented profitable experience. Excludes all hot tar, torch down, and membrane work. Minimum premium of $7-9,000 and minimum deductible of $2,000 apply to any policy with this class. All risks with this class are on a submit basis only. “Part time roofers” (risks which have the bulk of their operations in other operations but do some roofing) are not desirable.
A completed FWCI roofing supplement is required for submission.
98805 Stillmore Georgia Septic tank systems- cleaning This class includes cleaning of grease traps. Ineligible exposures include septic tank installation, service or repair – no excavation deeper than three feet.
98884 Sheet Metal Work – outside Includes incidental shop work and awning installation on buildings only. Excludes duct work in connection with installation or repair of air conditioning or heating systems. Excludes installation or repair on watercraft or vehicles of any type. This class is on a submit basis only intended for use with policies for roofing risks.
98967 Siding installation Carpentry and Masonry. This class includes installation of non-motorized hurricane shutters, gutters – installation, service and repair, downspouts and soffits. Also includes installation and repair of screened enclosures. Ineligible exposures include work over 3 stories.
98993 Stillmore Georgia, Emanuel County Sign erection, installation and repair Includes incidental manufacture and construction of signs. Ineligible exposures include traffic device work, work over roadways, and any work over 50 feet in height. Use of cranes, bucket trucks, and lifts is excluded but can be added with prior underwriting approval. This class also covers incidental construction and manufacture of signs.
99003 Stillmore Georgia Sign painting – interior Sign painting – exterior Ineligible exposures include interior spray painting.
99004 Sign painting – exterior Sign painting – interior Ineligible exposures include work done over 3 stories (50 feet), sign erection or installation above the first floor and outdoor advertising companies.  Premises exposure from associated showroom or retail space is excluded but can be added with prior underwriting approval.
99080 Stillmore Georgia, Emanuel County Solar energy contractors Covers all aspects of solar energy work. Risks with work on roof are on a submit basis and subject to a $1,000 minimum deductible.
99505 Swimming pool service Tile stone, masonry and electrical apparatus. Ineligible exposures include any operation which requires draining of pool, swimming pool construction, installation, repair below the water line and repair except pump repair or installation.  Premises exposure from associated showroom or retail space is excluded but can be added with prior underwriting approval.
99650 Stillmore Georgia TV or radio receiving set installation and repair – residential Cable or subscription TV. Commercial work shall be classified as 91150, Appliance – commercial. Cable line or satellite installation shall be classified as 91315, Cable or Subscription TV Subscription. Ineligible exposures include alarm system work, line construction and tower antennae work. Use of cranes, bucket trucks, and lifts is
excluded but can be added with prior underwriting approval.
99709 Stillmore Georgia, Emanuel County Tents or canvas goods Landscape gardening and lawn care. Ineligible exposures include tent or canvas goods manufacturing, marine work and rental or sales of tents or canvas goods.
99746 Tile, stone or marble Masonry Exterior exposures should be classified as Masonry – 97447. Premises exposure from associated showroom or retail space is excluded but can be added with prior underwriting approval. Ineligible exposures include work below the waterline in pools or spas.
99827 Upholstery Carpentry shop, carpet, rug upholstery cleaning and house furnishings installation. Premises exposure from associated showroom or retail space is excluded but can be added with prior underwriting approval. Ineligible exposures include auto upholstery work on vehicles, showroom or display area.
99952 Stillmore Georgia Cleaning outside surfaces of buildings – “pressure washing” Janitorial and waterproofing. If insured is sealing or caulking use waterproofing class code 99955. This class is used for pressure washing only. Ineligible exposures include sandblasting, cleaning of roofs and waterproofing. Pressure washing of airplanes, motor vehicles, or boats is or other watercraft excluded. Excludes pressures over 3,000 PSI.
99955 Waterproofing Pressure cleaning of restaurant hoods and vents is included within this class.
99975 Stillmore Georgia, Emanuel County Window Cleaning When window cleaning is part of a Janitorial service operation include the exposure in the class and rate as Janitorial Service – 96816. Ineligible exposures include work over 3 stories. Use of cranes, bucket trucks, and lifts is excluded but can be added with prior underwriting approval.

 

Frank Crum and America Insurance Brokers providing Stillmore Georgia contractors with insurance solutions for both workers comp and general liability.

Call us today for your Contractor’s Workers Comp, Ghost Workers Comp, and General Liability- 678-682-9700

 

America Insurance Brokers provides insurance solutions.  We promise to:

  • NOT share data outside of the quoting process with carriers.
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Call us! You will like the experience-  678-682-9700

Georgia Seguros llámenos hoy 877-348-7679 1-87-Seguros-9] Amanda Morales

 

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