January 13, 2022
Agency
What Is Artisan Contractors Insurance?
Artisan contractors have insurance coverage options for occupations such as carpenters, plumbers, electricians and roofers. Artisan contractors work on a niche skill with specialized tools to provide a service which means they face some unique insurance needs. By having coverage, you are protecting yourself against potential loss and protecting your client from financial loss.
If you fall under this category and aren’t yet insured, consider contacting an agent at 1st American Insurance Agency to get started on a policy that best suits your needs.
What Is Covered by Artisan Contractors Insurance?
It’s important to protect your business in the ways you need it protected. As an artisan contractor, you can pick and choose the policies that suit your needs so you can be uniquely protected. The following are coverage options most often recommended:
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Business owners policy (BOP) – Provides protection against both property and liability exposures. This is a packaged policy that primarily covers property and general liability, although other coverages may be included.
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Commercial auto – Protects against accidents in which you may be liable and an injured person could potentially file a lawsuit. Coverage is only provided for business use, unlike personal auto insurance.
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Workers’ compensation – Provides coverage for employees if they become injured or gets a work-related illness. If you have three or more employees, this is coverage you should consider.
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Cyber insurance – Provides your business with coverage options to protect you from data breaches and other cyber security issues that may arise.
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Umbrella – Provides extra protection in addition to your existing liability policies. Can provide coverage for injuries, property damage, certain lawsuits and personal liability situations.
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Completed operations – Helps cover liability claims resulting from your business’s products or completed operations done away from your place of business. Claims covered can include bodily injury and property damage.
Contact Us Today
At 1st American Insurance Agency, we want to provide you with the coverage that is going to protect your business from harm the best and help it if losses are incurred. Artisan contractors insurance can be crafted for specialized businesses such as yours. Contact your agent today to get started.
Categories: Artisan Contractors, Blog