Artisan Contractors Insurance
Artisan contractors — also called specialty trade contractors — are the electricians, plumbers, HVAC technicians, tile setters, painters, drywall hangers, flooring installers, and other skilled tradespeople who perform defined scopes of work, typically as subcontractors to general contractors or dir…
Who Needs This Coverage
- Licensed electricians (C-10)
- Plumbers and pipe fitters (C-36)
- HVAC and refrigeration contractors (C-20, C-38)
- Tile, marble, and terrazzo contractors (C-54)
- Painting and decorating contractors (C-33)
What's Covered
- Commercial General Liability — bodily injury and property damage per occurrence
- Completed Operations — post-job liability for defective workmanship claims
- Tools and Equipment Inland Marine — theft, loss, and accidental damage
- Rented Equipment coverage
- Personal and Advertising Injury
- Additional Insured endorsements for GCs, property owners, and project owners
Frequently Asked Questions
What is the difference between artisan contractor insurance and general contractor insurance?
Artisan (specialty trade) contractor insurance is designed for contractors performing a single trade scope — an electrician, plumber, or painter. GC insurance covers the broader liability of managing an entire project and overseeing multiple subcontr…
Do I need tools and equipment coverage separate from GL?
Yes. General liability only covers damage to other people's property. Your own tools — ladders, power tools, hand tools, equipment — are not covered under GL. A tools and equipment inland marine policy protects your tools from theft, fire, and accide…
How quickly can I get proof of insurance for a job?
For most artisan contractors, we can issue an ACORD certificate of insurance the same day. If you need to be added as an additional insured on a project owner's requirements or need a primary/non-contributory endorsement, those are typically issued w…