Artisan Contractors Insurance
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Artisan contractors insurance gives protection against any financial losses that arise during work on a construction site.
If you’re in any kind of building right now, it was crafted using the skills of an artisan crafter. These skills are showcased everywhere – from the molding around the doors to the tile in your kitchen, to the plumbing in your bathroom. You can thank the work of an artisan contractor for the comfortable and aesthetically-pleasing nature of your home.
Contractors Liability sees the pride that artisan contractors take in their work every day, and we can find a specialized liability coverage plan ensuring that the artisan contractors we work with are covered in the event of an accident. We watch your assets so that you can put the time and effort into more important things.
What is Artisan Contractor’s Insurance?
An artisan in the contracting business is typically anyone who can provide a specified type of service that markedly improves a home or business. This includes:
- Air conditioner servicers
Of course, there are many more examples than just those in this list. These contractors provide services that require specialized liability needs, for each trade has its own potential for accidents and risk factors. Artisan contractors’ insurance cover injuries to the body, damages to the client or a third-party property, personal injury or injury made against the reputation of a third party, advertising injury or any sort of action taken against a competing company, and medical payments.
In addition to the worries associated with general contractor liability, artisan contractors must also consider their location within a “pain state,” or a state that has higher after-completion claims. These states include Arizona, Colorado, Florida, Washington, New York, California, Nevada, Louisiana, Oregon, and Texas. While artisan contractors everywhere fight for legislation that will help them defend their work against potential harmful suits, be assured that most insurance companies, like Contractors Liability, will also have your back in instances like this.
Artisan Contractor’s Insurance Cost
Artisan contractor’s insurance is a little more generic than some of the other specified forms of insurance. This is often why independent contractors go for it. The artisan’s status as a business provider is not as expansive as a business that has many employees, thus it is necessary to provide the right type of coverage for a small or one-person business. That aside, there are still factors that insurance companies consider when setting up insurance policies for their artisan contractors.
- Whether or not you work in a “pain state”
Because of pain states’ muddy regulations and their reputation for drawing out long work lawsuits that extend past the date of typical coverage, insurance companies may charge you more for the additional coverage associated with a pain state.
- How long you have been in business
We’d like to trust every artisan contractor that comes through our office. However, insurance agencies often factor experience into your rate. It’s nothing personal, only an assessment of the risk coming from the unknown. Artisan contractors new to the trade can expect rate decreases as they establish a reputation.
- Your accident history
Like car insurance policies, artisan contractor insurance policies are created with the notion that accidents can and will happen. You can expect your rates to fluctuate throughout time based on the number of severity of accidents that occur. If you must take out a claim in the first few years of coverage, don’t sweat it. A single claim is no guarantee that your business is associated with higher risk.
- Your Credit History
For artisan contractors, credit history can play a major role in getting the policy limit that you request. If your score is low when applying, ask your insurance provider for ways that you might be able to save on your policy there created to credit.
If there’s one mantra insurers and the insured should hold in the back of their mind, it’s this: Expect change. Change is what drives the insurance industry, and it’s what you need to consider if you want your coverage to remain consistent. Your rate will change, for better or for worse, over time. So be prepared.
Why Should Artisan Contractors Choose Contractors Liability?
It’s difficult to find an insurance agency that understands what specific contractors go through. Although everyone understands what plumbers and electricians do generically, Contractors Liability has the history and the skills we need to ensure that you are covered completely and that the rate we choose is within a budget you can afford. Some of the perks of choosing artisan contractor’s insurance through Contractors Liability includes:
- A custom insurance policy based on your skills and trade, ready to cover you in the event of an accident
- Affordable prices on policies that provide comprehensive coverage
- Customer service and support from people with a background in covering contractors and licensed insurance agents
- A-rated insurance policies from insurance companies that you know and trust
Artisan Contractor’s Insurance
What are some types of artisan contractor’s insurance?
There are different types of insurance that cover different contracting needs. Some of the major ones include artisan contractor’s insurance, commercial auto insurance, workers compensation for artisan contractors with more than one employee, and liability insurance that covers third parties in the event of an accident. However, there are other types of insurance that might be right for your specific company as well. Discuss with your insurance agency further about what types of artisan contractor’s insurance might be right for your small business.
Does Artisan Contractor’s insurance cover my employees?
Artisan contractor’s insurance can cover employees if the policy includes worker’s compensation. Liability coverage generally only covers third parties, which do not include your employees. In some states, it is against the law to not provide worker’s compensation to your employees. If you have hired extra help for your business, it’s important to make sure that worker’s compensation is included in your policy.
Am I considered an Artisan Contractor?
Artisan contractors are also known as “casual contractors”. These types of workers can be contracted on a full or part-time basis, and provide a skilled contracting trade for profit. If you’re unsure whether your business can be considered as an artisan contractor, be sure to ask your insurance agent about it.
Contractors Liability is passionate about working with small businesses to get them the coverage they need. For more information about how to get yourself covered, contact Contractors Liability via
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