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Contractors Advantage

The answer to contractors' business insurance needs.
It contains valuable coverage and features for various contracting trades. And, as an added benefit, it offers special optional coverages to address the specific needs of your business.

Property Protection
American National Property and Casualty Company's (ANPAC®) Contractors Advantage policy includes coverage for your buildings, permanently installed equipment, outdoor fixtures (including signs) and business personal property.

Other coverages include:

  • Newly acquired property.
  • Property in transit or temporarily off premises.
  • Valuable papers and records, including electronic or magnetic media.
  • Money and securities on or off premises.
  • Tools, equipment and building materials, whether on or off premises or in transit.
  • Property of others while in your care, custody or control.
  • Loss Of Income

Your business income is paid, up to twelve months, when your business is interrupted by an insured peril. Contractors Advantage also pays for certain extra expenses needed to resume normal business operations.

Liability Protection
Liability coverage is valuable protection in the event of suit, due to a negligent act in the course of your business. This important protection is an automatic feature of Contractors Advantage, and is available in various amounts to serve your needs.

The following items are included:

  • Premises and Operations
  • Products/Completed Operations
  • Personal Injury
  • Advertising Injury
  • Fire Legal Liability
  • Contractual
  • Special Features

In addition to the coverages outlined here, you will also benefit from an array of special features found in Contractors Advantage:

Replacement Cost Coverage.
Pays the cost of replacing your buildings or business personal property with materials of like kind and quality at current prices. Coverage on an actual cash value basis is optional.

Automatic Increase in Insurance.
Prevents inflation from devaluing your insurance protection by automatically increasing the amount of coverage on your buildings each year. A choice of percentages is available on an optional basis.

Peak Season Coverage.
Increases your limit for business personal property automatically -- a valuable feature if your inventory fluctuates seasonally.

Deductible Options.
Allows you to choose higher deductibles if you want to benefit from possible additional savings.

Premium Discounts.
Lowers your payments with credits for qualified security systems.

Payment Plans.
Spreads out your premium payments to free up capital for current business needs.

Optional Coverages
Depending on your exact business needs, you may want to include some of the following coverages in your policy:

  • Hired and Non-owner Auto
  • Mechanical Breakdown
  • Employee Dishonesty
  • Employee Benefits Liability
  • Outdoor Signs
  • Accounts Receivable
  • Valuable Papers and Records in higher limits
  • Earthquake

All products, coverages, and options are not available in all states, and eligibility requirements will apply. Products and services referenced in this Web site are provided through multiple companies. Each company has financial responsibility only for its own products and services, and is not responsible for the products and services provided by the other companies.

Personal lines and commercial products and services are made available through American National Multiple Line Exclusive Agents and may be underwritten by American National Property And Casualty Company (ANPAC(R)), Springfield, Missouri or one of its subsidiaries or affiliates: American National General Insurance Company; Pacific Property And Casualty Company (California residents); ANPAC Louisiana Insurance Company (Louisiana residents); American National Lloyds Insurance Company and American National County Mutual Insurance Company (Texas residents). Life insurance and fixed annuity products are issued through American National Insurance Company, Galveston, Texas.

Disability Income products and services are issued by Illinois Mutual Life Insurance Company, Peoria, IL.

Tax issues that may be discussed are subject to change, and this is for your information only. Discussion of such issues does not constitute tax or legal advice. Please consult your tax advisor, attorney or CPA for guidance on all tax matters.

These brief descriptions of coverages available are for illustration purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy. For more information about coverage options and availability, talk to your American National agent. American National Family of Companies reserves the right to discontinue programs at any time.

This site may have links to other sites not maintained by American National Insurance Company, its subsidiaries or affiliates. Such links do not imply endorsement or approval of these sites or the content therein by American National, its subsidiaries or affiliates.

As of 9/29/09