Contractors-Artisan Insurance

Abram Interstate Insurance Services, Inc. offers a flexible and accessible Contractors-Artisan Insurance program designed to help independent agents place business for small to mid-sized artisan contractors. As a Managing General Agency with access to various carriers, Abram Interstate specializes in tough-to-place and non-admitted markets. This program is available in Arizona and California and is ideal for agents seeking reliable coverage options for their contracting clients working in residential and light commercial trades.

This program is best suited for artisan contractors such as:

• Carpenters
• Electricians
• Plumbers
• Painters
• HVAC technicians
• Flooring installers

Whether your client is a solo operator or a small crew-based business, this market is designed to accommodate common contractor risks. Accounts with a solid safety history and standard operations are more likely to be a good fit.

The Contractors-Artisan Insurance program through Abram Interstate includes essential coverages that help protect your clients from the most common risks associated with construction and trade work:

• Equipment – Protects valuable tools and machinery from theft or damage.
• General Liability – Covers third-party bodily injury and property damage claims, a must-have for licensed contractors.
• Property – Covers buildings, offices, or storage units owned by the contractor, when applicable.

Coverage can be tailored depending on your client’s trade, operations, and risk profile. Abram Interstate works with multiple markets to find suitable options for contractors needing flexible solutions in the non-admitted space.

Minimum premiums vary depending on the type of contractor, location, and coverage limits selected. As a non-admitted program, underwriting flexibility is available for accounts that may not qualify for standard markets. Agents should be prepared to submit detailed information on operations, experience, and prior losses to receive competitive terms.

Example accounts that typically fit include:

• A licensed plumber with a few employees doing residential service work in California.
• A self-employed handyman in Arizona needing basic general liability and tool coverage.

This program is currently available in Arizona and California. Abram Interstate understands the specific needs and regulatory landscape of contractors in these states and can help agents navigate the placement process efficiently.

As a trusted Managing General Agency with deep roots in the western states, Abram Interstate brings specialized underwriting knowledge and access to a range of non-admitted markets. Agents benefit from fast turnaround times, experienced staff, and a broad appetite for artisan contractors who may not qualify for admitted carriers. Whether you're working with new ventures or established contractors with unique needs, Abram Interstate can help you deliver practical coverage solutions.