APPLICANT AND PROGRAM REQUIREMENTS

$350.00 for paper application submission OR

Non-Refundable Application Fee: $250.00 for online application submission at
[Link]

Minimum years in business: 1 year under current ownership

• For contractors in business 3 or more years, we will
need the most recent 3 consecutive years of year-end
financial statements.
• For contractors in business less than 3 years, we will
need the most recent financial statements for all full year
and partial years in business with a minimum of 1 full
financial year.
• Example: If your company started in September of
Financials: your 1st year in business, and reports financials using a
calendar year, we need the financials for the start-up year
(September through December) AND the most recent full
year of year-end financials.
• Contractors who have not yet been in business for a
full calendar year, but have been in business a total of 12
consecutive months, must forward financials for all 12
consecutive months.
In lieu of sending year- end financial statements, balance
sheets or tax forms. For an additional $125, we will review
Financial Fast Track Option Fee: your financial stability based on your credit rating, (see
Financials/Tax Form Requirements for details to qualify)

Insurance Restoration Sales Fee: 5% per job sold

Consumer Home Improvement Sales Fee: 4% per job sold

Consumer Home Improvement Referral/ Lead
$15.00 per assignment
Fee:

Note: Maximum Per Job Sold threshold and Additional Fees Information on Page 10

Application Fee/Qualification Process: The application fee covers our cost in processing the application and is non-
refundable once processing has started. Once qualified by us, you will be presented to our clients as needs are identified.
Your participation in any client program is determined by collaboration between Crawford Contractor Connection and the
client based on needs. Your application to the network and/or payment of this processing fee does not constitute a
guarantee of selection by one of our clients. Insurance and software requirements do not have to be met until selected for
a program by a client (please see requirements once selected for a program page).

1
REQUIRED OWNERSHIP DOCUMENTATION:
Sole Proprietorship (1 owner):
 Tax Form 1040 - Schedule C (Profit or Loss from Business)

Partnership (2 or more owners or entities):

 Written Partnership Agreement
“The partnership agreement should include the name of the business and other particulars such as the address
and contact information, a description of what the business does, and a list of the partners.”

Limited Liability Corporation (LLC):

 Articles of Organization
 Bylaws, Member Control Agreement, Operating Agreement

“S” Corporation or “C” Corporation:

 Articles (or Certificate) of Incorporation required for contractors in all states, except as noted below.
o Alabama (requires Certificate of Formation)
o New Jersey (requires Certificate of Formation)
o Tennessee (requires a Corporate Charter)
o Texas (requires Certificate of Formation)

2
FINANCIALS/TAX FORMS REQUIRED:
Option 1: Submit the most recent year(s) of financial statements. We prefer Income Statements and
Balance Sheets from applicants. However, we understand that certain businesses will only have tax forms to
submit. Requirements are based on the following business types. Please see the lists of businesses below to
determine what minimum financial forms will be required:
(Note: Balance Sheets must contain Total Current Assets, Total Current Liabilities, Long Term Debt & Equity
Amounts)
• “C” Corporation: Tax Form 1120 (Pages 1-5).
• “S” Corporation: Tax Form 1120S (Pages1-5).
• Limited Liability Corporation (LLC): Tax Form 1065 (Pages 1-5).
• Partnership: Tax Form 1065 (Pages1-5).
• Sole Proprietor: Tax Form 1040 Schedule C and Balance Sheets that include Total Current Assets,
Total Current Liabilities, Long Term Debt & Equity Amounts.
Option 2: To expedite your preparation of application documentation, you may use the Financial Fast Track
Option in lieu of sending year-end financial statements, balance sheets or tax forms. For an additional
$125, we will review your financial stability based on your credit rating, given that it meets the following
criteria:
• Financial Fast Track Option: A detailed Commercial credit report from Dun & Bradstreet and a detailed
o Business Owner credit report from Experian will be generated and reviewed. The applicant
must receive a “Low Risk” credit rating in order to waive the requirement for full year-end
financial documents. If the credit report received indicates a score other than Low Risk, full
year-end financial statements, balance sheets or the appropriate tax forms, as described in
Option 1, will be required to complete the financial credentialing. The Financial Fast Track
Option service fee is non-refundable.
• The Financial Fast Track Option can only be used during the application process. It is not available for
annual recertification or application updates.
• The Financial Fast Track Option is intended to reduce your application preparation time but does not
necessarily reduce processing time by Crawford Contractor Connection because all other application
factors must continue to be thoroughly reviewed.

Annual Financials/Tax Forms Required For all Active Contractors

We require all active contractors to submit current year-end (or fiscal year-end) financials on a yearly basis
as part of the contractor’s annual re-certification.

We prefer Income Statements and Balance Sheets from applicants. However, we understand that certain
businesses will only have tax forms to submit. Requirements are based on the following business types. Please
see the lists of businesses below to determine what minimum financial forms will be required:
(Note: Balance Sheets must contain Total Current Assets, Total Current Liabilities, Long Term Debt & Equity
Amounts)
• “C” Corporation: Tax Form 1120 (Pages 1-5).
• “S” Corporation: Tax Form 1120S (Pages1-5).
• Limited Liability Corporation (LLC): Tax Form 1065 (Pages 1-5).
• Partnership: Tax Form 1065 (Pages1-5).
• Sole Proprietor: Tax Form 1040 Schedule C and Balance Sheets that include Total Current Assets,
Total Current Liabilities, Long Term Debt & Equity Amounts.
3
LICENSES/ CERTIFICATIONS REQUIRED:
Submit copies of any licenses required by your state and all states you perform work in, i.e., Contracting
License, Operating License, Contracting Registration etc. All licenses must be in the company's Doing Business
As (DBA) Name.

Submit copies of certifications documenting compliance with the Environmental Protection Agency’s (EPA)
Lead Renovation, Repair, and Painting (RRP) Program Rule.

Also, submit a copy of certifications documenting the company is a The Clean Trust/IICRC Certified Firm.

FACILITY PHOTOS:
Included with your application, please submit digital photos to include the following:
• Front of building space including signage
• Office space
• Company Vehicles including signage
• Storage/pack out areas
• Available equipment (it is not necessary to take a picture of each individual piece. Please take
one to two photos of your equipment available to you on site).

You may combine your photos to include more than one of the items listed above in one photo (example:
the front of your building and vehicles in the same picture). Please email color copies of your photos. Please
do not submit more than 6 photos with the application.

Please note: Use of Digital Camera will be required once selected for a program.

FACILITY REQUIREMENTS:

Absent special circumstances, contractors are expected to maintain a professional business location with
identifying signage in an area zoned for commercial or industrial activities (non-residential). Further, it is
expected that vehicles will have identifying signage and employees will wear uniforms. If this is not the case
with your company, then your company may not pre-qualify for the network depending upon
circumstances. This information is not intended to discourage your application, but to make sure you are fully
aware of items evaluated.

Although the ownership may be the same, applications are necessary for each facility from which
assignments are being processed or handled.

4
Requirements Once Selected for a Program:
INSURANCE REQUIREMENTS:
The following requirements apply once a client has selected you for a program.
It is not necessary to meet these requirements until you are notified of selection for a specific program.

Limits of liability shall be written on an occurrence basis. Insurance companies must have an A.M. Best Rating of B+ or
higher and a Financial Size Category (FSC) of VII or better for the USAA program. Service Provider is responsible for
providing a 30-day cancellation notice to Crawford Contractor Connection. Payment for all insurance policies is the sole
responsibility of each Service Provider Participant. Service Provider must provide a current Certificate of Insurance to
Crawford Contractor Connection that meets requirements prior to Service Provider receiving assignments. The below
listed limits are a minimum.
• General Liability: $1,000,000 Each Occurrence to include:
 Premises and Operations Liability
 Products and Completed Operation Liability
 Property Damage/Damage to Property
Liability
 Contractors Liability
 Personal Injury Liability
• Automobile Liability: $1,000,000 Combined Single Limit
(All Owned or Scheduled Autos, Non-
Owned Autos, and Hired Autos
– Or – Any Autos)
• Proof of Worker’s Compensation (Required regardless of individual
State laws)

• Contractors’ Pollution Liability* or Excess Umbrella $1,000,000 Each Occurrence

* CPL can be written on occurrence or claims made (As referenced in matrix on next page)
basis $250,000
• Bailment Coverage (As referenced in matrix on next page)

In order to confirm the policies provide the required program coverage, specific language must be reflected on the
insurance certificate. The insurance certificate must always accurately represent the underlying policy. If the current policy
does not meet the below language, please secure the appropriate policy before submitting your certificate of insurance.

The information below, including specific wording, must be reflected on your insurance certificate. If your state
prohibits modifications to insurance certificates, then this information must be provided as an attachment on an Acord
101 form or similar document.
• Additional Insured:
“Crawford and Company and Crawford Contractor Connection, a division of Crawford and Company, and their
clients, Assurant, Inc, its subsidiaries and affiliates, USAA, Hartford Fire Insurance and its affiliates, Nationwide, Erie Insurance,
Farmers Insurance Exchange and Auto Club Enterprises, Interinsurance Exchange of the Automobile Club Auto Club Family
Insurance Company, Auto Club Indemnity Company and their respective parent entities, subsidiaries and affiliates are named
as additional insureds for the above listed coverages and policies, as they apply to work assigned by Crawford Contractor
Connection (excluding Workers’ Compensation, Automobile Liability, and Bailment Coverage).”

**Please note that some insurer clients require that they be specifically named as additional insured, to include but not
limited to** (Assurant, Auto Club Enterprises (applicable to AAA clients), Erie Insurance, Farmers Insurance, Nationwide, The
Hartford Financial Services Group, Inc., and USAA)

5
 Requirements Once Selected for a Program (continued):
INSURANCE REQUIREMENTS (continued)
• Policy Coverage for General Liability and Contractors Pollution Liability:

“The General Liability and Contractors Pollution Liability policies provide ongoing and completed operations coverage for
the insured and the additional insureds. General Liability coverage includes Premises and Operations Liability, Products and
Completed Operation Liability, Property Damage/Damage to Property Liability, Contractors Liability and Personal Injury
Liability.” (Note: For the General Liability Policy, endorsements CG 20 37 and CG 20 10 will be accepted in lieu of including
the ongoing and completed operations wording on the insurance certificate.)

“The General Liability and Contractors Pollution Liability policies shall be primary and non-contributory.”

“General Liability coverage includes Premises and Operations Liability, Products and Completed Operation Liability, Property
Damage/Damage to Property Liability, Contractors Liability and Personal Injury Liability. Contractors Pollution Liability
insures the full scope of services provided by the insured. Fungus, bacteria, asbestos, lead and silica are included within
the definition of Pollutants. Subcontracted work is not excluded.”
• Certificate Holder:
Crawford Contractor
Connection 10550
Deerwood Park Blvd. Suite
100 Jacksonville, FL 32256
In addition to the above listed requirements, please see below:
Type of Contractor Additional Insurance Requirements based on trade(s) selection
(Insurance requirements may change if contractor is selected for additional trades.)
General Contractor only Sample #1
(or any trade other than • Excess Liability: $1,000,000 Each Occurrence
water mitigation)
Water Mitigation only* Sample #2
• Contractors Pollution Liability: $1,000,000 Each Occurrence
• The following statement will need to be added to the insurance certificate or, if
your state prohibits modifications to insurance certificates, the statement can be
provided as an attachment on an Acord 101 form or similar document:
“Contractors Pollution Liability insures the full scope of services provided by the
insured. Fungus, bacteria, asbestos, lead and silica are included within the
definition of Pollutants”.

6
Full Service Sample #3a
(General Contractor or any • Contractors Pollution Liability: $1,000,000 Each Occurrence
other trade in combination • The following statement will need to be added to the insurance certificate or, if
with water mitigation*) your state prohibits modifications to insurance certificates, the statement can be
provided as an attachment on an Acord 101 form or similar document:
“Contractors Pollution Liability insures the full scope of services provided by the
insured. Fungus, bacteria, asbestos, lead and silica are included within the
definition of Pollutants. Subcontracted work is not excluded."
Sample #3b
• Contractors Pollution Liability: $1,000,000 Each Occurrence
• Excess Liability: $1,000,000 Each Occurrence
• The following statement will need to be added to the insurance certificate or, if
your state prohibits modifications to insurance certificates, the statement can be
provided as an attachment on an Acord 101 form or similar document:
“
Cleaners, Textile Restoration, Sample #4 ll bl h f ll f d db h
Furniture Restoration, and • Bailment Coverage: $250,000
Fire & Smoke

Commercial Level II and Sample #5a

Level III • Level II: $3,000,000 per occurrence in a combination of General Liability and Excess
Liability and $2,000,000 per occurrence in Contractors Pollution Liability.
Sample #5b
• Level III: $5,000,000 per occurrence in a combination of General Liability and Excess
Liability and $3,000,000 per occurrence in Contractors Pollution Liability.

* Note: Contractor Connection Program Requirements DO NOT allow any Service Provider to subcontract water
mitigation services under any circumstances.

7
Requirements Once Selected for a Program (continued):
The following requirements apply once a client has selected you for a program.
It is not necessary to meet these requirements until you are notified of selection for a specific program.

SOFTWARE/HARDWARE:

• XACTIMATE: Xactimate estimating software, with a XactNet Address for each facility from which
assignments are being processed or handled, may be leased directly from Xactware. Please contact
Xactware for more information on their product:
o Phone: (800) 424-9228
o Website: [Link]
• Digital Camera
• Internet Access to include Microsoft Edge browser with IE Mode capability
• Additional software may be required based on client requirements

MOISTURE DATA ANALYTIC SERVICES (Mitigation ONLY):

Contractor Connection requires the use of Moisture Analytics Software for the network Water
Mitigation program. Below are the approved vendors for Moisture Analytics Software with Contractor
Connection.
Please contact the companies listed below for more information on their products:
• DryTrack
• MICA Mitigation Suite
• Moisture Mapper
• Encircle
• DryLINK

BACKGROUND INVESTIGATIONS:
It is a network requirement that active contractors perform a background investigation of all its principals,
owners, and employees that will be present at any time, in policyholders'/customers’ homes prior to any
Services being performed. Each Contractor will need to certify that it has completed a background
investigation on each Contractor Employee before activation for any program and every three
(3) years thereafter. Crawford Contractor Connection has authorized several vendors for the contractor to use
to complete background checks. A list of the companies will be provided once the contractor is selected for a
program. It will not be necessary for you, the contractor, to submit the results of background checks except
upon formal request by Crawford Contractor Connection, as we will have you sign and submit an affidavit
attesting that the background checks have been completed.

8
Requirements Once Selected for a Program (continued):
SUBROGATION TRAINING:
It is a network requirement that active contractors complete and provide proof of Subrogation Awareness
training no later than 90 days after being selected to a program. The required course is published by Claims
Training Services (CTS), an independent training vendor. Subrogation is a very important aspect of handling
insurance claims, and the insurance carrier clients would like to see additional training in this area. In addition,
subrogation training certification will be a valuable marketing tool for contractors and estimators. Crawford
Contractor Connection and the insurance carrier clients are not expecting you to replace the adjuster in
handling subrogation matters. However, considering that the contractor often times conducts the initial site
inspection, it is imperative for contractors to complete subrogation awareness courses.

If you would like additional information, please contact Claims Training Services (CTS) at 732-942-0411

9
ADDITIONAL FEES INFORMATION:
$4,000 per job below $100,000
$6,000 per job $100,000 up to $200,000
Insurance Restoration
$8,000 per job $200,000 up to $400,000
Maximum Sales Fee:
$10,000 per job $400,000 up to $600,000
$11,000 per job $600,000 and greater
$3,000 per job below $100,000
$5,000 per job $100,000 up to $200,000
Consumer Home Improvement
$7,000 per job $200,000 up to $400,000
Maximum Sales Fee:
$9,000 per job $400,000 up to $600,000
$10,000 per job $600,000 and greater

Payment due within 15 days of invoice date.

Late Fee:
Late payments subject to $125 per month late fee.

$0 to $5,000 – depending on revenue from Contractor Connection

Annual Membership Fee: assignments. Charged at time of Service Provider’s recertification
date per below schedule.
Membership Fee
$0 Fee waived for members with revenue (Jobs Sold) from program assignments totaling
less than $50,000 in the previous 12 months. Such Members are considered
developmental contractors.
$250 Members with revenue (Jobs Sold) from program assignments totaling $50,000 or
greater, but less than $100,000 in the previous 12 months
$500 Members with revenue (Jobs Sold) from program assignments totaling $100,000 or
greater, but less than $250,000 in the previous 12 months.
$750 Members with revenue (Jobs Sold) from program assignments totaling $250,000 or
greater, but less than $500,000 in the previous 12 months.
$1,000 Members with revenue (Jobs Sold) from program assignments totaling $500,000 or
greater, but less than $750,000 in the previous 12 months.
$1,250 Members with revenue (Jobs Sold) from program assignments totaling $750,000 or
greater, but less than $1 million in the previous 12 months.
$1,500 Members with revenue (Jobs Sold) from program assignments totaling $1 million or
greater, but less than $1.5 million in the previous 12 months.
$2,000 Members with revenue (Jobs Sold) from program assignments totaling $1.5 million or
greater, but less than $2 million, in the previous 12 months.
$3,000 Members with revenue (Jobs Sold) from program assignments totaling $2 million or
greater, but less than $3 million, in the previous 12 months.
$4,000 Members with revenue (Jobs Sold) from program assignments totaling $3 million or
greater, but less than $4 million, in the previous 12 months.
$5,000 Members with revenue (Jobs Sold) from program assignments totaling $4 million or
greater in the previous 12 months.
Questions? Please call the Recruiting Department for more information: (800) 586-9585.
You may also visit our web site to apply online at [Link]
10