The Artisans Program emphasizes liability coverage, and broad form contractual liability coverage is built into the base form, as is coverage for damage to property of others. (Limited contractual liability coverage can be substituted by endorsement.)

Under this program, the general aggregate limit can be applied per project, thus meeting a common requirement of general contractors. Other liability features of this program include:

• Additional insured options;
• A "voluntary" property damage coverage option that works like a "medical payments" provision for property damage claims; and
• Rating information for XCU exposures.

Endorsements are available to limit or exclude coverage for claims arising from mold and construction defects; one specifically addresses losses arising from the synthetic stucco known as "EIFS."

Another endorsement excludes coverage for "known injury or damage," addressing "continuous trigger" claims inspired by the Montrose ruling.

The Artisans Program provides open perils property coverage in the base form, along with coverage for business personal property away from insured premises and loss of income coverage. An option is available for increasing the off-premises property limit. Other property features include:

• A choice of three different endorsement packages of additional property and inland marine coverages;
• Options to cover contractors' tools and equipment on a blanket or scheduled basis; and
• An option to provide installation floater coverage with a selected limit.

Both the named and open perils forms provide all standard liability and property coverages, including income coverage. Beyond that, carriers can trigger built-in commercial crime coverages by making entries in the declarations, then select from a range of coverage options, including:

• An option to add equipment breakdown coverage;
• An endorsement package that provides additional commercial property and inland marine coverage;
• Separate options for writing employment practices liability coverage and employee benefits liability coverage (each with a claims-made trigger); and
• Additional liability coverage options, such as printers errors and omissions, and certain professional liability coverages.

The latest revision expands building property coverage to include the value of building glass, and adds new additional coverages and coverage extensions.

Coverage E (Excess) provides "follow form" coverage in excess of required limits in any type of underlying policy, AAIS or non-AAIS, that covers commercial auto liability, commercial general liability, professional liability, and other liability exposures. The follow form coverage automatically adheres to the trigger (occurrence or claims made) in the underlying forms, even when triggers differ among underlying policies.

Coverage U (Umbrella) provides "drop down" coverage for premises and operations exposures not addressed and not excluded in the underlying commercial general liability policy.

While written to provide peace of mind to insureds, Coverage U in itself should not create additional exposures for insurers that do a thorough job of structuring and rating their underlying policies.

This program also provides:

• Coverage E endorsements for excluding whole categories of exposure (autos, watercraft, professional liability, etc.);
• Endorsements for excluding specific exposures (designated autos, designated premises, designated products, and designated work); and
• Exclusions for pollution and lead liability.

The Commercial Liability Program features five basic forms: commercial liability, broad form commercial liability, owners and contractors protective, premises only, and farm premises and operations.