What is Service & Repair Artisan Contractors Insurance Package?
The Service & Repair Artisan Contractors Insurance Package is designed to protect individuals and small businesses that provide specialized services such as plumbing, electrical work, HVAC, appliance repair, and other skilled trades. This package typically bundles several types of coverage to help reduce risk exposures that come with working on job sites, handling tools and equipment, and interacting with customers.
Who Needs It
This insurance package is ideal for independent contractors, subcontractors, and small business owners in the service and repair trades. If you work with tools, travel to customer locations, or operate a workshop, this coverage may be essential. Common trades include:
- Electricians
- Plumbers
- HVAC technicians
- Appliance repair specialists
- General handymen
- Painters and drywall installers
What It Typically Covers
A Service & Repair Artisan Contractors Insurance Package usually includes:
- General Liability Insurance – Covers third-party bodily injury, property damage, and legal defense costs.
- Commercial Property Insurance – Protects tools, equipment, and inventory stored at your business location or job site.
- Inland Marine Coverage – Covers tools and equipment while in transit or temporarily stored off-site.
- Workers' Compensation – Required in most states if you have employees; covers medical costs and lost wages due to work-related injuries.
- Commercial Auto Insurance – Covers vehicles used for business purposes.
Common Exclusions and Limitations
While comprehensive, this insurance package does not cover everything. Common exclusions may include:
- Intentional damage or illegal acts
- Wear and tear of tools or equipment
- Work performed outside of the policy’s scope (e.g., hazardous materials)
- Damages to your own property unless covered under a specific policy
Always review your policy documents to understand what is and isn’t covered.
Factors That Influence Cost
The cost of coverage depends on several factors, including:
- Type of trade and services offered
- Business location and service area
- Number of employees
- Annual revenue and payroll
- Claims history
- Coverage limits and deductibles
Proof of Insurance & Compliance
Many clients and general contractors require proof of insurance before hiring artisan contractors. A Certificate of Insurance (COI) shows that you have active coverage. Depending on your state, you may also need to meet specific licensing and insurance requirements to operate legally. Keeping your coverage current helps ensure compliance and builds trust with customers.
How to Get a Quote
Getting covered is simple. To explore your options and receive a customized quote, start your quote here.
Related Coverages
Frequently Asked Questions
What types of contractors qualify for this insurance package?
Qualified contractors typically include electricians, plumbers, HVAC techs, appliance repair specialists, and similar tradespeople providing service or repair work.
Is general liability insurance included in this package?
Yes, general liability is usually a core part of the package, helping protect against claims of bodily injury or property damage.
Do I need this insurance if I work alone?
Yes. Even solo contractors can face risks such as client property damage or injuries. This coverage helps protect your business from unexpected costs.
Can I customize the coverage to fit my trade?
Yes, many providers allow you to tailor your coverage based on your specific services, tools, and business operations.
Is workers' compensation required for all contractors?
Requirements vary by state and whether you have employees. Check local regulations to determine if workers’ comp is mandatory in your situation.
Still have questions? Talk to a local insurance expert.