Lincoln General, First Capital Create New Contractors Construction Program

Lincoln General Insurance Company has teamed up with First Capital Group’s Midwest Contractors Construction Program. The program is available in Illinois, Indiana, Wisconsin, Michigan, Iowa Oklahoma, Missouri, Kansas, Minnesota, Arkansas and Nebraska. First Capital Group’s Illinois Construction Division serves as a program manager for LGIC in the Midwest.

The coverage is written on admitted paper and covers a range of risks, including general liability, commercial automobile liability & physical damage, owners contractors protective liability, and employee benefits liability.

Limits for CGL, including products/completed operations, are $1 million per occurrence/$2 million general aggregate, per project; $2 million product/completed operations; $1 million personal injury/advertising injury; $10,000 medical payments; $1 million employee benefits; and up to $1 million fire damage legal liability. Owners Contractors Protective liability limits go to $1 million per occurrence/$2 million general aggregate and are written only in conjunction with CGL/products completed operations.

Commercial Auto is $1 million CSL and can be written on a stand alone basis. Personal injury protection follows statutory requirements. The program also offers $1 million uninsured motorists limits, $1 million underinsured motorists limits and $10,000 medical limits. Additional classes of commercial auto and general trucking risk can also be considered.

Although the program avoids residential contractors except on an incidental exposure basis, most other classes can be written “in house”. Those classes of business that are excluded may be written on a referral basis.

First Capital seeks additional qualified producers in Illinois, Indiana, Wisconsin, Michigan, Iowa Oklahoma, Missouri, Kansas, Minnesota, Arkansas and Nebraska.

First Capital Group’s Construction Division can be reached at:

First Capital of Illinois, Inc. is located at 1230 E. Diehl Road, Suite 105, Naperville, Ill. 60563-9361; telephone 630-245-1520.
Contact Jack “J.P.” Kane, vice president and branch manager (jpkane@first-capital.com); Robert G. Lohr, vice president (rlohr@first-capital.com); or Emil Berzenski, senior underwriter (eberzenski@first-capital.com).

Source: Lincoln General General Insurance Company