Artisan & Trade Contractors

Expertise. Solution. Service.

MAXIMUM offers a specialized Artisan & Trade Contractors program tailored to help insurance agents and brokers efficiently place small to mid-sized artisan contractor risks. With broad underwriting capabilities and access to admitted markets in most states, MAXIMUM brings deep expertise and responsive service to your contractor clients’ liability and property needs.

Ideal Accounts and Appetite

This program is ideal for artisan and trade contractors with:

• Annual revenues up to $1 million
• Payroll up to $500,000
• New ventures, including those with no prior liability coverage or a lapse in coverage
• Up to 50% subcontracted work

You can confidently place accounts such as residential electricians, HVAC installers, interior painters, and landscapers. For example, a newly formed HVAC startup servicing single-family homes or a three-person drywall contractor with steady local business would be great fits.

Target Classes

MAXIMUM targets a wide variety of artisan trades, including but not limited to:

• HVAC installation and repair (non-LPG)
• Electrical contractors and interior wiring
• Residential and interior carpentry
• Plumbing (residential and commercial)
• Painting (interior and exterior up to 3 stories)
• Drywall, insulation (incidental), and tile work
• Janitorial services, carpet cleaning, and window cleaning
• Landscape gardening and lawn care

Shop-only operations and incidental subcontracting are acceptable within the program’s guidelines.

Coverage Highlights and Advantages

• General Liability: Limits up to $1M/$2M with no deductible
• Excess/Umbrella: Up to $5M in coverage
• Property: Building, BPP, and business income up to $3M per location
• Contractors’ Equipment: Scheduled up to $150K/item or $1M per risk; Misc. tools up to $15K

Product advantages include:

• Admitted in most states
• Blanket additional insured endorsements per contract
• Waiver of subrogation
• Primary and non-contributory wording
• Full contractual liability available for many classes
• Access to business solution vendors (HR, screenings, marketing)

Underwriting Notes and Deductibles

Underwriting is flexible but adheres to key exclusions, including:

• Risks operating in AK, CO, LA, or WV
• Contractors involved in large-scale residential developments (more than 5 structures)
• Work involving fire suppression, mold/asbestos remediation, demolition, or medical facilities
• Trades not listed in the eligible class list

Deductibles:

• General Liability: $0
• Property: Starting at $1,000
• Contractors' Equipment: Starting at $1,000

Territories and Availability

This program is available in most states, including AL, AZ, AR, CA, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WI, and WY. It is offered on an admitted basis in many of these states, providing competitive and compliant solutions for your contractor clients.

Why Work With MAXIMUM on Artisan & Trade Contractors

As a wholesale broker, MAXIMUM brings unmatched knowledge of the artisan contractor space. We understand the exposures these trades face—from jobsite liability to gaps in equipment coverage—and deliver solutions that help insurance agents secure the right protection for their clients. Our underwriting team is accessible, solutions-driven, and committed to fast, efficient service from submission through binding.

We settle for nothing less than the best choices for our clients, and we put no limit on what we can do for your client's Artisan & Trade Contractor Liability Insurance needs.

Please reach out to us today by phone or email with any questions and to discuss how we can assist in this process.