Artisan Contractors Insurance
INSURANCE MARKETS AGENCY INC offers a tailored Artisan Contractors Insurance program designed specifically for skilled-trade professionals. Whether your client is an experienced contractor or a recently licensed business, our program provides flexible, competitive solutions through trusted non-admitted markets. Coverages are structured to address the typical risks artisan contractors face, including tools and equipment, liability for operations and completed work, and exposures arising from subcontracted work.
Ideal Accounts and Covered Classes
We partner with agents who place artisan contractors in residential and light commercial trades. We have appetite for accounts with up to 100% subcontracted work and for contractors working on townhouse and residential condominium projects. Example classes include:
- Alarm system installation and repair
- Carpentry (commercial and residential, up to 3 stories)
- Concrete work and masonry
- Electrical work within buildings
- Excavation and grading
- Door, window, and metal millwork installation
- Driveway and sidewalk paving or repair
- Fence erection
- Handyman services
- HVAC installation and repair
- Painting (interior and exterior)
- Plumbing (commercial and residential)
- Roofing (commercial and residential)
- Siding installation (excluding wood siding)
- In-ground swimming pool installation and service
- Structural metal erection (three stories or more)
Coverage Highlights
- General Liability and Excess Liability limits available up to $25,000,000
- Minimum premiums starting at $525
- Low deductibles for Bodily Injury/Property Damage, from $500
- Inland Marine coverage for contractor tools, equipment, and similar assets
- Options for Additional Insured (Primary & Noncontributory) and Waiver of Subrogation
Underwriting and Market Access
We place artisan contractor accounts with a variety of carriers on a non-admitted basis to secure the right coverage for each risk. Our underwriting team knows construction-related operations and works with agents to place accounts that may be new ventures, have significant subcontractor usage, or are harder to place in standard markets. We focus on tailored solutions where other markets may decline.
Example accounts you might place
You might have a client who is a startup electrician working on residential condo renovations and needs general liability plus inland marine for portable tools. Or, an established roofer who subcontracts all work and requires higher excess limits and primary/noncontributory additional insured status for commercial townhouse projects. Both fit this program’s appetite.
Availability
This Artisan Contractors Insurance program is currently available in New Jersey and Pennsylvania. Because placements are non-admitted, coverage options and forms are tailored by market and underwriter.
Why Work With INSURANCE MARKETS AGENCY INC?
As a Managing General Agency and Excess & Surplus Lines Broker, INSURANCE MARKETS AGENCY INC specializes in construction-related risks. Our team provides fast, knowledgeable service, works directly with agents during underwriting, and leverages multiple non-admitted carriers to place difficult or specialized artisan risks. Whether your client is a first-year electrician or a roofer subcontracting 100% of their work, we aim to deliver competitive terms and responsive service.
To learn more about our Artisan Contractors Insurance program or other products, please call 570-586-1471 and ask for Ryan, Bill, Peter, or Joe Tierney.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program fits artisan contractors in residential or light commercial trades, including electricians, plumbers, roofers, painters, and more. We also consider new ventures and contractors who subcontract up to 100% of their work.
Which states is this program available in?
Currently, the Artisan Contractors Insurance program is available in New Jersey and Pennsylvania.
Can I submit accounts with townhouse or condo projects?
Yes, we accept accounts working on townhouse and residential condominium projects.
What is the minimum premium for this program?
Minimum premiums start as low as $525, depending on the class and risk profile.
Does the program include coverage for tools and equipment?
Yes, Inland Marine coverage is available for contractor tools, construction equipment, and similar assets.
Need help placing an account? Connect with a market specialist.