As an artisan contractor, you have invested years in perfecting your craft. Protect your professional reputation, personal assets and business future with Artisan & Specialty Contractor Insurance.
Who is an Artisan Contractor?
An artisan contractor performs a single trade or job. This category includes both small business owners and independent contractors who specialize in one area of work.
- Cabinet Installers
- Drywall Installers
- Electricians
- HVAC Contractors
- Interior Decorators
- Landscapers
- Masons
- Painters
- Paperhangers
- Plumbers
- Roofers
- Tree Surgeons
- Tile Setters
What is Artisan Contractor Insurance?
Insurance protects your business, your work and your assets whether you own an artisan business or work as an independent contractor. Coverage needs can vary by project, so consider the common types of artisan contractor insurance below when evaluating your risks.
Liability Insurance
Despite your skill, accidents happen on the job site and as you perform your duties. Liability insurance covers expenses if you are sued; for general claims you can see options like Artisan Contractor General Liability Insurance.
- Property damage
- Personal injury
- Negligence
- Products
- Cyber liability and data breaches
- Employment practices
- Owners and contractors protection
Workers' Compensation Insurance
If you employ others or work as a subcontractor, Workers' Compensation coverage helps cover medical expenses and lost wages after a workplace injury. Requirements vary by location and by the number of employees, so check local rules and contract requirements.
Property Insurance
Property insurance covers your business premises, including offices you own or permanent improvements you make to rented space. It helps protect against loss from fire, theft and other covered perils.
Floaters Insurance
Floaters cover valuable machinery, tools and materials while they are in transit, being stored off-site, or installed. You can insure individual jobs or report new contracts to your agent as needed.
Business Vehicle Insurance
Personal auto policies often exclude business use. A business vehicle policy provides coverage for vehicles used for work-related tasks and can protect you if an accident occurs while operating your work vehicle.
Umbrella Liability Insurance
An umbrella policy extends liability limits above your primary policies, offering additional protection for both business and personal assets when standard limits are exhausted.
Artisan contractor insurance is essential. Be sure to talk to your agent about your specific needs and purchase a customized policy with adequate coverage that protects your business.
Frequently Asked Questions
Do independent artisan contractors need workers' compensation?
Requirements depend on your location and whether you employ others; some jurisdictions and general contractors require proof of Workers' Compensation even for subcontractors.
Will my personal auto policy cover tools stored in my vehicle?
Most personal auto policies exclude business property and tools, so a commercial auto or a tools floater may be necessary to cover those items.
What does a tools floater typically cover?
Floaters generally cover loss, theft or damage to tools and equipment while in transit, at a job site, or in storage, but coverage specifics vary by policy.
When should I consider an umbrella liability policy?
Consider an umbrella when your standard liability limits may be insufficient to protect your business and personal assets in the event of a large claim.