Insurance for Artisan Contractors
This product is specifically designed to accommodate over 30 eligible artisan and trade contractor classes who undertake or manage one or multiple phases of a construction project and subcontract less than 50 percent of the work. New construction or remodeling of commercial and residential structures are all eligible subject to $500,000 in annual payroll and $1,000,000 in annual sales. We offer a non-reporting blanket additional insured coverage as well as waiver of subrogation. We have the ability to package with contractor equipment, including miscellaneous tools and equipment.
Target Classes of Business
Types of Artisan contractors we can consider quoting include carpenters, landscapers, ceiling or wall installers, floor covering installers, plumber, painters, upholsterers, siding installers, electrical work within buildings, and tile, stone, marble or mosaic installers
Target Risks: (Not limited to those below)
- Risks with revenues up to $1,000,000
- Risks with payroll up to $500,000
- New ventures
- Risks without prior liability coverage or with prior lapse in coverage
- Risks with up to 50 percent of work subcontracted to others
- And more!
Ineligible for Online Quoting:
Please note we cannot offer coverage to the following:
- Operations in AK, CO, LA or WV
- Risk has or will be involved in projects (in any capacity) for new construction of apartments, condominiums, townhomes or tract housing developments (more than five structures at any single location)
- Wood floor sanding or refinishing
- Fire, water, soot, mold, asbestos or any other property damage remediation
- Alarm monitoring or security system installation, service, maintenance or repair
- Fire suppression or sprinkler work
- Demolition work (except incidental non-load bearing interior work)
- Exterior work over four stories
- Work involving medical facilities (other than doctors’ offices), surgical facilities, nursing homes or assisted living facilities
Coverages Available For Artisan/Trade Contractors
- General liability available up to $1,000,000/$2,000,000
- Excess general liability or umbrella up to $5,000,000
- Building, business personal property and business income (combined) up to $3,000,000 per location
Claim Example for Artisan Contractors
Bodily Injury: A contractor is painting the exterior of a house. He lifts his ladder to reposition it and begin painting a new section of the house. At the same time, a woman is walking her dog past the house on the adjoining sidewalk. As he swings the ladder around, the ladder strikes the woman, knocking her to the ground. The woman suffers injuries to her head and shoulder. She incurred $5,000 of medical bills and missed five days of work, incurring $1,000 for lost wages.
Bodily Injury: An electrician is working on the wiring within the ceiling of an accounting firm’s office. He is standing on top of a ladder with his tools and materials on the floor, close to the ladder. An employee of the accounting firm walks by, looking up, curious to view the work being done. In doing so, the employee trips over the electrician’s tools on the floor. The fall caused the employee a severe shoulder injury with repair surgery needed. The total cost incurred for medical bills, lost wages and other expenses was $25,000.
Property Damage: A contractor is installing dry wall on the second floor of a brand new office building. While fastening the drywall to the studs, the contractor puts a screw into a pipe within the wall. The screw causes a slow leak from the pipe and is unnoticed for two weeks. When the leak is discovered, the water had already caused significant damage to the interior studs, drywall, and insulation, as well as the floors and carpeting on the first floor. The total cost to replace all damaged property was $12,000.
Property Damage: A plumber is working on a bathroom remodeling job. He is responsible for installing the new pipes for the toilet, sinks, shower/tub, etc. He uses a torch to solder the new pipes. The flame of the torch catches some insulation within the wall, causing it to smolder; it continues to smolder as the plumber leaves for the end of his day. That night, the interior wall studs and other materials catch fire, quickly spreading and destroying 75 percent of the home. The total cost of damages was $450,000.