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Artisan Contractors Insurance

Artisan Contractors Need the Right Kind of Insurance

February 29, 2016


Construction projects depend on the special talent and skill of artisan contractors.  Artisan contractors are part of our thriving economy. For many artisan contractors, the most cost effective and efficient way to obtain property and liability coverage is with a Business owners Policy (BOP) especially tailored to their needs. Although marketed under a variety of names, these policies will typically have provisions similar to the BOP. In addition, a contractor will need workers’ compensation insurance.

What is Workers' Compensation?

Workers' compensation insurance is insurance that provides lost income, medical benefits, disability benefits, and rehabilitative services for workers injured on the job or while performing work-related duties.

Who Are These Artisan Contractors?

Artisan contractors are usually small companies that offer specialty skills made up of one or more of the following:  

 

  1. Landscaping
  2. Pool & Spa
  3. Finish Carpentry
  4. Framing
  5. HVAC
  6. Plumbing
  7. Masonry
  8. Lighting
  9. Concert work
  10. And more

What Are The Risks Associated With Artisan Contractors?

Artisan contractors have many different risks that can be covered by commercial insurance:

  • Commercial Auto
  • Loss of equipment & tools
  • Commercial general liability
  • Professional liability
  • Workers' compensation

Innovative Insurance Services LLC understands the value of good employees. We know that your day-to-day operations depend on their hard work, expertise, and dedication, and if you supply them with quality benefits and plans, they can work with the peace of mind assurance that they are properly protected.