Artisan Contractors Insurance
Artisan Contractors Questionnaire
Looking for coverage? Click the following link to submit a request for a quote or more information.
Artisan Contractors Insurance Information
Generally, Artisan Contractors have one main type of operation (plumbing, carpentry, electrical work, heating & air, flooring etc). Historically, this type of operation has used direct employees to perform the work. In today's business climate, many artisan contractors have elected to use a combination of both direct employees and subcontractors to get the work done. This can be a complicating factor in properly assessing risk and insuring this type of account. Most insurance companies have underwriting criteria that tolerates a small percentage of subcontracted work, but those accounts that subcontract out a substantial percentage of the work may find limited options when looking for coverage. Premiums for both GENERAL LIABILITY and WORKERS COMPENSATION can fluctuate substantially for those accounts that use a lot of uninsured subcontractors. It is crucial to deal with an agent that understands how the use of subcontractors can affect both your premium and your exposure to loss, and more importantly, will explain it to you. Whether you use employees, subcontractors or both, we have affordable coverage solutions for you!
If you would like a quote or just more information, please complete the questionnaire above and we will be happy to contact you. We look forward to working with you.