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Cochrane & Company
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Cochrane & Company
Contact Us
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Artisan Contractor Insurance

A handy way to bring in business is through Cochrane & Company's Artisan Contractor Insurance program. Property and liability coverages are available on a monoline or package basis for contractors who specialize in eligible trade operations. This program is tailored to meet the needs of artisan contractors working in residential and commercial markets.

Ideal Accounts and Appetite

This program is designed for small to medium-sized artisan contractors operating in the following areas:
  • New construction (except in California)
  • Remodeling projects
  • Residential or commercial work
  • New ventures and startups
  • Operations with up to 25% subcontracted work
Common eligible trades include general carpentry, electrical, plumbing, drywall, HVAC, painting, and similar contractor classes.

Coverage Highlights and Advantages

Cochrane & Company's Artisan Contractor Insurance program offers flexible and competitive terms designed to support growing contractor businesses. Key features include:
  • Gross receipts up to $10 million accepted
  • $500 minimum premium for structural artisan contractors
  • Coverage for buildings up to 10 stories in height
  • Primary non-contributory wording (scheduled basis only)
  • Blanket additional insured endorsement available
  • Designated construction project aggregate with a policy cap of $8 million
This program is ideal for agents serving new or expanding artisan contractors looking for broad and practical coverage solutions.

Underwriting Notes and Minimum Premiums

Business is written on a non-admitted basis, giving Cochrane & Company the flexibility to craft solutions for accounts that may not fit standard markets. The program accepts both new ventures and established contractors. Minimum premium requirements vary depending on the risk, with structural artisan contractors starting at $500.

Territories and Availability

The Artisan Contractor Insurance program is available in the following states: California, Idaho, Montana, New Mexico, Ohio, Washington, and Wyoming. Note: New construction is not eligible in California.

Why Work With Cochrane & Company

As a Managing General Agency with deep experience in contractor risks, Cochrane & Company offers agents access to a responsive underwriting team and multiple carrier partners. Their focus on small to mid-sized artisan contractors makes them an ideal partner for placing hard-to-place or growing accounts. You might have a client who’s a new residential remodeling contractor with limited experience but solid financials — or perhaps a seasoned HVAC contractor looking to expand into commercial work. Cochrane & Company can help you place those accounts with confidence. For more information or questions regarding Artisan Contractor Insurance, please contact us!

Frequently Asked Questions

What types of accounts are a good fit for this program?

Small to medium-sized artisan contractors specializing in residential or commercial work, including new ventures and remodeling projects, are ideal fits.

Is new construction covered under this program?

Yes, new construction is eligible in all available states except California.

What is the maximum gross receipt level accepted?

This program accepts accounts with gross receipts up to $10 million.

Can contractors with subcontracted work be considered?

Yes, operations with up to 25% subcontracted work are eligible for consideration.

Which states is this program available in?

The program is available in CA, ID, MT, NM, OH, WA, and WY.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency
  • Admitted:
    No States
  • Carriers:
  • Carrier Ratings:
    A+
  • Commission:
    Varies
  • Min Premium:
    Varies

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CONTACT INFORMATION

LOCATION

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AGENCY LICENSING

Please note: submissions will not be accepted without current appointment with Cochrane & Company.
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Cochrane & Company has other insurance programs like 1-4 Family Dwelling Insurance.