Artisan Contractors Insurance FAQ

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Get answers to small business insurance frequently questions including costs, coverages, minimum requirements, certificates & more.

Types Of Small Business Insurance

  • Includes medical payments, legal representation, and defense against libel and slander accusations.
  • Provides financial protection if an employee has a job-related accident or illness.
  • Bundles general liability insurance and commercial property into one affordable policy.
  • Pays to repair or replace your business property if it's stolen, damaged, or destroyed in a fire or natural disaster.
  • Covers mistakes or alleged mistakes on your part (errors) & failures or alleged failures to perform a service (omissions).
  • Is liability and physical damage protection for vehicles, such as cars, trucks and vans, that are used for business.
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Frequently Asked Questions About Small Business Insurance


What types of business insurance do I need?

Almost every business needs general liability and commercial property insurance at the very least. If you have any non-owner employees, you'll most likely need workers compensation insurance too as most state require it. Other types to consider are: commercial auto, professional liability, cyber liability, inland marine and others. It all depends on the risks your business faces. Read more...

How much does general liability insurance cost?

In 2019, commercial general liability costs can vary widely based on industry. Premiums are also determined by zip code and often payroll and/or gross sales. You can request a free quote to get an exact premium for your business. Read more...

How does general liability insurance work?

Having general liability is the basis of any business insurance program. If you can afford only one commercial insurance policy for your small business - then you should get a commercial general liability policy, because it offers protection against a wide range of unexpected risks, and will form the foundation of your business financial protection. Read more...

What is a Certificate of Insurance?

A Certificate of Insurance (COI) is proof of coverage. It verifies that you have insurance coverage for your small business, & contains information on types and limits of coverage, insurance company, policy number, named insured, and the effective date of the policy. Read more...
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Artisan Contractors Insurance FAQ Information

Artisan Contractors Insurance FAQ

Artisan Contractors Insurance FAQ. Artisan or casual contracting includes some of the more common and most needed servicing contractors, ranging from plumbers and electricians to chimney sweeps and landscapers.

Physical damage coverage for tools, supplies and equipment, both on and off the contractor's premises, is a concern.

Liability exposures at the premises of the contractor, and at the premises of the contractor's customer, must be properly addressed along with completed operations.

Commercial auto insurance is very important, as is workers compensation insurance protection for employees.

We wanted to provide a deeper dive into small business insurance to help our readers get a better understand of the commercial insurance policies they want and need with the Artisan Contractors Insurance FAQ.

Read the Artisan Contractors Insurance FAQ to learn what type of commercial insurance coverages are right for your contracting business - including liability, property, workers compensation and other specialty policies.

What Is An Artisan Contractor?

According to III, an artisan contractor, "includes many occupations that involve skilled work with tools at the customer's premises."

Artisan Contractors include - but are not limited to - the following types of businesses:

  • Air Conditioning
  • Alarm Installation
  • Service and Repair
  • Awning Services
  • Boiler Services
  • Building Cleaners
  • Caretakers
  • Carpenters
  • Chimney Sweeps
  • Cistern
  • Decorators
  • Door and Window Installers
  • Electrical
  • Environmental Remediation
  • Exterminators
  • Fire Suppression System
  • Floor Installers and Refinishers
  • Fumigators
  • Garage Door Sales
  • Service and Repair
  • Handyman
  • Heating Plant Services
  • House Cleaners
  • House Movers
  • Insulation
  • Interior Decorators
  • Janitor Services
  • Landscape
  • Linoleum Layers
  • Locksmiths
  • Oil and Gas Well Operations-Non-drilling Services
  • Painters
  • Paper Hangers
  • Plasterers
  • Plumbers
  • Power Washing
  • Sandblasting
  • Septic Tank Cleaning and Repair
  • Sign Painters
  • Swimming Pool
  • Tank Cleaners
  • Termite Control
  • Terrazzo
  • Tile
  • Marble and Mosaic Work
  • Tree Surgeons
  • Welders
  • Well Diggers-Oil
  • Well Diggers-Water
  • Window Washers

You can reference the Insurance Definitions, Dictionary And Glossary to better understand the commercial insurance policy terms and language used in our Small Business Insurance FAQs.

Types Of Artisan Contractors Insurance Policies

Following are some suggested commercial policies and coverages applicable for artisan contracting:

PACKAGE POLICIES

Package policies are the most convenient way to combine coverages. The commercial package policy (CPP) offers flexibility and choices that are appealing to the larger contractors.

However, the smaller contractors are often best served with an artisan contractor businessowners policy because it has been designed specifically for them. A key is that they only require liability coverages but offer property, inland marine and crime coverage options.

Types Of Artisan Contractors Package Policies:

  • Artisan Contractor Businessowners Policy (BOP)
  • Businessowners Policy (BOP)
  • Commercial Package Policy (CPP)
PROPERTY COVERAGES

Many contractors do not have the usual location-specific buildings and business personal property exposures. Their business property is more mobile and, therefore, better covered with inland marine coverage forms.

However, for those larger contractors that own buildings and/or maintain business inventory there are many coverage forms and choices available to them.

Types Of Property Coverages:

  • Building
  • Business Personal Property
  • Personal Property of Others
  • Improvements and Betterments
INLAND MARINE COVERAGES

Most contractors' property exposure doesn't stay in one place. Instead it moves from the contractor's premises to various jobsites. The property may stay at the jobsite for a time or may just move with the contractor. Property in motion is best covered through an inland marine form.

The perils insured or causes of loss under an Inland marine coverage forms are generally equal to or better than the special cause of loss form that applies to property coverage with most providing earthquake and flood coverage. A contractor should periodically inventory all property to ensure it is all covered on the most appropriate form and that coverage is not duplicated.

Types Of Inland Marine Coverages:

  • Accounts Receivable Coverage
  • Builders Risk Coverage
  • Contractors' Equipment Coverage
  • Electronic Data Processing Equipment Coverage
  • Installation Coverage
  • Scheduled Property Coverage
  • Transportation Coverage
  • Valuable Papers and Records Coverage
CRIME COVERAGES

A number of coverages are available under the commercial crime coverage form and policy. A contractor may need only one or two of the coverages because of limited inventory and little on-premises exposure.

When a contractor has employees, the most important crime coverage to consider is employee theft especially if those employees can order inventory, accept payments or disburse funds. If employees regularly work at client's premises, clients' property coverage could be an equally important coverage to buy.

Types Of Crime Coverages:

  • Computer and Funds Transfer Fraud Coverage
  • Employee Theft Coverage
  • Forgery or Alteration Coverage
  • Inside The Premises-Theft of Money and Securities Coverage
  • Inside The Premises-Robbery or Safe Burglary of Other Property Coverage
  • Money Orders and Counterfeit Money Coverage
  • Outside The Premises Coverage
SURETY COVERAGES

Artisan contractors must obtain permits before performing certain types of projects and often must be licensed in order to operate. Many municipalities require bonds to support the promises made to obtain such license or permit. In addition, contractors who perform work for government entities often are required to supply a variety of contract bonds. In a growing number of cases, even some private industry clients are requiring bonds that guarantee performance.

Types Of Surety Coverages:

  • Contract-Bid Bond Service Undertaking
  • Contract-Bid Bonds
  • Contract-Completion Bonds
  • Contract-Labor and Material Payment Bonds
  • Contract-Performance Bonds
  • Contract-Performance of Service or Supply Bonds
  • Contract-Subcontract Bonds
  • License and Permit Bonds
COMMERCIAL LIABILITY COVERAGES

If a contractor wants to begin or stay in business, liability coverage must be obtained for the premises or operations, off-site locations and products/completed operations exposures. These coverages may be included as a part of a businessowners policy (BOP) or purchased in a commercial general liability (CGL) policy.

Owners and contractors protective liability and railroad protective liability coverages may also be required in certain cases in order for a contractor to obtain a particular job.

Types Of Liability Coverages:

  • Commercial General Liability (CGL) Coverage
  • Employee Benefits Liability Coverage
  • Employment-Related Practices Coverage
  • Owners and Contractors Protective (OCP) Liability Coverage
  • Railroad Protective Liability Coverage
PROFESSIONAL LIABILITY COVERAGES

Artisan contractors may employ individuals who provide services that require errors or omissions coverage. Professional and errors and omissions claims are based on malpractice, errors or mistakes made in the performance of a variety of professional duties.

Because these errors, omissions and mistakes are excluded in the general liability policy, the insured must purchase separate professional liability coverage in order to have full insurance protection.

Types Of Errors And Omissions (E&O) Coverages:

  • Architects or Engineers Professional Liability Coverage
  • Errors and Omissions Insurance-Miscellaneous Coverage
  • Safety and Environmental Consultants Errors and Omissions Coverage
COMMERCIAL AUTO COVERAGES

Artisan contractors use their vehicles to get to and from their workplaces and jobsites. They also use vehicles to transport equipment and inventory to those locations. It is important to cover the liability of these vehicles for injury or damage they may cause, as well as to provide coverage for damage to the vehicles themselves.

Types Of Business Auto Coverages:

  • Auto Medical Payments
  • Business Auto Coverage
  • Collision Coverage
  • Comprehensive Coverage
  • Garagekeepers Coverage
  • Hired & Non-owned Auto Coverage (HNOA)
  • Uninsured/Underinsured Motorists Coverage
WORKERS COMPENSATION COVERAGES

Employers are required to provide coverage for injuries sustained by their employees while on the job. Contractors must comply with these requirements but some try to avoid them by hiring subcontractors. These subcontractors may actually operate and qualify as employees. The relationship between a contractor and its subcontractors must be carefully evaluated in order to determine if workers compensation coverage is still needed.

Casual contractors working on or above navigable waters are subject to the Longshore and Harbor Workers Compensation Act and the policy must have the appropriate endorsement that reflects that situation.

Types Of Workers Comp Coverages:

  • Longshore and Harbor Workers' Compensation Act Coverage
  • Stop-Gap or Employers Liability Coverage
  • Workers Compensation and Employers Liability Coverage
EXCESS AND UMBRELLA COVERAGES

Contractors have significant liability exposures because of the amount of driving they do and the number of client contacts that are made. In addition, there are contractual, subcontractor and completed operations exposures plus those from employers liability. Serious consideration should be made to enhance the primary insurance program with an umbrella or excess liability policy in order to provide sufficient coverage.

Types Of Excess Liability Coverages:

  • Excess Liability Coverage
  • Umbrella Coverage
SPECIALTY COVERAGES

Many contractors are entrepreneurs who are receptive and open to new opportunities. They may become involved with international opportunities, financing options and other initiatives. And many are discovering the value of using a drone to assess a job in order to provide an accurate bid.

A contractor may need one or more of the following coverages, depending on their operations and opportunities.

Types Of Specialty Coverages:

  • American Expatriate Coverage
  • Business Legal Expense Coverage
  • Cyber Liability Coverage
  • Directors and Officers Liability Coverage
  • Environmental Impairment Liability Coverage
  • Fiduciary Liability (Pension, Welfare and Employee Benefit Funds) Coverage
  • Identity Theft Insurance Coverage
  • International Insurance Coverage
  • Risk Retention Group Liability Coverage
  • Tax Liability Coverage
  • Tender Offer Defense Expenses Coverage
  • Underground Storage Tank (UST) Liability Coverage
  • Unmanned Aerial Vehicles (UAV) (Drones)
  • Weather Coverage
  • Wrap-Up Coverage

Artisan Contractors Insurance FAQ - The Bottom Line

There are many commercial insurance policies available for Artisan Contractors. To find out what types of coverage your business needs, speak to a professional insurance broker with experience in insuring artisan contracting.

Frequently Asked Questions By Industry

Learn about the coverages available for specific industires with the Insurance FAQs below:

Artisan Contractors Insurance FAQ
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