Artisan Contractors Insurance

Prime Insurance Company helps insurance producers write more business by offering artisan contractors insurance through the E&S market.

Home / Professional Liability / Artisan Specialty Contractors

Ready to Apply?

You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.

Contractors We Can Help

  • Artisan Specialty Contractors
  • Carpenters
  • Ceiling & Wall Contractors
  • Concrete Contractors
  • Consultants
  • Developers
  • Electricians
  • Framers
  • General Contractors
  • Glass Installers
  • Handyman
  • HAVC & Flooring Installers
  • Heating & Air Contractors
  • Independent Contractors
  • Insulation Contractors
  • Landscapers
  • Masonry Contractors
  • Painting Contractors
  • Plumbers
  • Roofing Contractors
  • Siding Contractors

Artisan Contractors Insurance Highlights:

  • Contractor’s liability coverage for property and casualty in both residential and commercial business
  • General liability coverage for premises, work performed, and general operations
  • Customized coverage can include trades, equipment, internal/external construction, individual jobs, and more
  • Endorsements for hot tar and torch down
  • Custom fit coverage for each job including commercial general liability, commercial auto (available in most states), completed products, equipment rental liability, property coverage (available in most states), potential subcontractor liability, professional liability (E&O), and more!

Customized Liability Insurance: A Necessity for Artisan Specialty Contractors

When working with an Artisan Specialty Contractor, let them know that careful planning and forethought are some of their greatest tools. Unfortunately, there are times when no amount of planning can protect your clients from unexpected accidents. As many contractors know, these accidents can range from something as small as a cracked window pane to something much more serious, such as someone falling and being injured or a destructive weather event like a tornado or hurricane. Because one can never predict the severity of the accidents that may happen on a worksite, it is crucial for all Artisan Specialty Contractors to have a thorough and reliable customized liability insurance policy.

Why Do Artisan Specialty Contractors Need More Coverage Than General Contractors?

Depending on the exact nature and structure of your client’s business, you may be considering whether they need an excess liability insurance policy or excess liability in specific areas of coverage such as product or professional liability. As more and more people start small businesses and become self-employed as contractors, it’s increasingly important to differentiate between their different types and roles in their given sector. Artisan specialty contractor insurance will help you give them the coverage that’s tailored to their business plan, even if your client isn’t quite sure what type of contractor they are.

Insurance For Specialty Contractors VS. Worker's Compensation

It is important to understand that insurance for specialty contractors is not the same thing as worker’s compensation. To be clear, Prime Insurance Company does not offer worker’s compensation coverage. Suppose a person is injured while working on a specialty contracting job. In that case, there must be separate worker’s compensation measures in place.

What Are The Three Main Different Types Of Contractors That You May Have As Clients?

A general contractor is what you probably have in mind when you hear the term ‘contractor’ and it’s probably what your client considers himself to be, as well. Contractors tend to have a wide variety of general skills and so, while they may be involved in projects that have elements of high liability, that need would be on a case-by-case basis more than as a general trend of their work.

Artisan specialty contractors: Artisan contractors, on the other hand, have experience in a skilled trade; instead of focusing on something like construction as a whole, their business would focus on a smaller scope within construction such as plumbing or electricity. Roofing also tends to be handled by artisan contractors due to the high degree of technical knowledge and expertise required to construct or repair a solid roof. In these circumstances, having excess liability coverage is a good idea not on just a case-by-case basis but because almost every single job involves a high degree of liability and the chance for a claim due to alleged damages.

Subcontractors: Either general contractors or artisan contractors can become subcontractors even though subcontracting with artisans is far more common. Subcontractors are a sort of the third party that the actual entity hired to complete a job may contract with for a smaller portion of the job. For example, the contracted project manager for a housing development might hire an electrician or roofing expert as a subcontractor.

Artisan contractors might not refer to themselves as artisans, instead, choosing a more marketable word like ‘expert’ or the known professional title such as plumber or electrician. But if your client can be considered an artisan contractor and handles highly technical jobs, having excess liability coverage for the specific risks their job inherits can be critical for their business’s success and yours.

What areas of excess and surplus insurance coverage should your contractor clients consider?

Contractors should prepare for general commercial liability claims. As more and more studies come to light about the negative health effects of previously used construction materials, such as asbestos, artisan contractors are being hired to replace the dangerous materials. But even the service of removing them and reconstructing the buildings can introduce dangerous elements to the environment, and their business needs enough coverage to both respond to claims and address suits.

Contractors also need professional liability coverage, especially if they contract to larger construction companies. Construction companies are hiring more and more third parties to handle technical construction work. Because specialty fields such as electrical work, plumbing, and even specified areas of construction are becoming areas of expertise, your clients need additional protection regarding the services they render or technical advice they give.

The way that contractors and small businesses interact with larger companies is constantly changing, and that can blur the lines between coverage and responsibility. Make sure your clients are covered to handle longer legal conflicts and claims with excess coverage.

Contact

If you’d like to learn more about why Prime Insurance Company is a preferred provider of excess insurance coverage, please contact us. We’re here to help you and your clients find the right elements of additional coverage for their businesses’ needs.

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Questions to Consider:

Could your business survive spending the amount of time and money necessary to defend yourself in a lawsuit?

More often than not, the answer is no. As an independent contractor, your time can be your most valuable asset.

Does your general liability insurance, professional liability insurance, or product liability insurance protect your personal assets in cases involving frivolous claims?

Many independent contractors, whether providing professional business services or specialized construction trades, wisely protect themselves with general liability insurance. But, what happens when a legal judgment exceeds the limits of these policies? In many cases, frivolous claims may qualify as exclusions in your traditional business insurance policies.

Are you prepared for a reduced income in the event of a suspension, demotion, or termination?

Many traditional policies restrict certain aspects of liability coverage that professionals should have in place. Standard policies have exclusions and limitations and might not have adequate coverage.

Do your client contracts address all unforeseen complications?

No matter how well you plan ahead, it’s almost impossible to prepare for all future issues that may arise.

Know the Facts

In May 2017, 10.6 million people were employed as independent contractors. At this same time, independent contractors — by far the largest form of alternative work and a category that includes Uber and Lyft drivers — were estimated to make up 6.9% of total employment.

Nearly 8 in 10 independent workers have faced client nonpayment in their careers.

Ready to Apply?

You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.

Contractors We Can Help

  • Artisan Specialty Contractors
  • Carpenters
  • Ceiling & Wall Contractors
  • Concrete Contractors
  • Consultants
  • Developers
  • Electricians
  • Framers
  • General Contractors
  • Glass Installers
  • Handyman
  • HAVC & Flooring Installers
  • Heating & Air Contractors
  • Independent Contractors
  • Insulation Contractors
  • Landscapers
  • Masonry Contractors
  • Painting Contractors
  • Plumbers
  • Roofing Contractors
  • Siding Contractors

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