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SPARTA
Contractors Liability Insurance Program
SPARTA was designed to provide Commercial General Liability, Excess General Liability, Professional Liability and Non-owned Automobile Liability coverage to tradesmen, artisans, contractors and tenants who would not otherwise be able to provide the insurance limits needed to successfully bid and compete for Public Entity business opportunities.
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SPARTA can provide limits of liability up to $5 million per occurrence and aggregate in commercial general liability coverage.
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Sublimits for sexual and physical abuse under general liability are available for contractors supervising, teaching or who are in any way responsible for children.
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The classes of business eligible for SPARTA coverage are listed below. However, other types of risk not listed may also be eligible for coverage.
Contractors may call SPARTA at (800) 420-0555 for more information and to obtain quotes.
Examples of Business covered by SPARTA
SERVICE PROVIDERS
- Caterers (with no public exposure)
- Computer software (including Training classes)
- Distributors (all varieties)
- Electronic data processing
- Express companies
- Freight forwarders
- Laundries
- Mailing/addressing companies
- Office machine service/repair
- Office machine installation
- Paper products distributors
- Photographers
- Printers
- Temporary employment agencies
- Rental companies (other than autos or contractor equipment)
- Uniform suppliers
- Vending machine operations
TENANTS WHO LEASE COUNTY SPACE
- Building or Premises
- Parking Private-property rented to others
- Parks or open land-rented or leased to others
TENANTS OCCUPYING SPACE ON COUNTY PROPERTY (must be licensed and have a permit)
- Pushcart
- Snack bars
- Kiosks
ARTISAN CONTRACTORS AND TRADESMEN
- Alarm installation, service or repair
- Automobile service or repair - excluding emergency service or public transit vehicles
- Cabinet makers
- Cable or telephone system installation
- Carpentry - all classes
- Carpet cleaning and installation
- Caterers (with public exposure)
- Communications equipment installation
- Consultants (with public exposure)
- Cement or concrete floors
- Concrete construction
- Conduit construction – within buildings or repair & service of existing lines
- Debris removal
- Decorating
- Demolition – under two stories – no explosives or wrecking ball
- Door or window installation or repair
- Drywall/wallboard installation or repair
- Electrical work within buildings
- Excavation
- Fence installation or repair
- Fire extinguisher service
- Fire suppression systems installation, service or repair
- Floor covering installation
- Furniture or fixtures installation, service or repair
- Glass installation
- Grading of land
- Graffiti removal
- Heating and air conditioning installation, service or repair
- Janitorial service
- Landscaping, lawn mowing, tree trimming or gardening
- Locksmiths
- Metal erection – artistic or decorative
- Masonry work
- Modular building erection
- Painting – interior
- Painting – expertise under three (3) stories
- Paper hanging
- Pest control
- Plumbing
- Security guards – unarmed only – excluding rock concerts and sporting events
- Sheet metal work
- Sign painting and lettering within buildings or under two (2) stories
- Shuttle bus terminal coverage only – excluding loading and unloading
- Street sweepers (excluding automobile liability)
- Tile, stone or marble installation
- Window cleaning – interior
- Window cleaning – exterior under three (3) stories
OPERATIONS NOT ELIGIBLE FOR SPARTA
- Airport control tower construction, service or repair
- Airport control tower equipment installation, service or repair
- Airport runway or warming apron construction, service or repair
- Airport security
- Aircraft service or maintenance
- Ambulance services
- Alarm monitoring
- Blasting operations
- Boat or ship building
- Bridge or elevated highway construction
- Building structure raising or moving
- Caisson or cofferdam work
- Construction of buildings – more than one (1) story
- Dredging
- Drilling
- Earthquake retrofitting (not to include repair or debris removal)
- Electric light or power line construction
- Elevator repair, service or installation
- Emergency or rescue services
- Exterior Insulation & Finish Systems (EIFS)
- Fire proofing (not to include fire suppression installation, service or repair)
- Garbage, ash or refuse collection (not to include janitorial operations)
- Gas mains or connections construction
- Metal work or erection – structural or loading bearing
- Pier or dock construction or repair
- Pile driving
- Pipeline construction or installation
- Railroad construction or repair
- Residential construction or repair
- Tank construction or installation
- Street, road or highway construction, paving or re-paving
- Primary construction of the following:
- Steam mains or connections
- Sewer main or storm drain construction
- Water or sewer main construction
- Underpinning of buildings or structure
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