Artisan Contractors (aka trade contractors) are essential in the building and construction industry.  Artisan Contractors may include tree surgeons, roofers, carpenters, plumbers, electricians, landscapers, HVAC specialists, and painters.

General Contractors are typically responsible for overseeing big picture projects, including managing artisan sub-contractors.  

Insurance coverage protects General and Artisan Contractors and their clients in recovering losses and damages in an accident or incident. Listed below are three reasons for artisan and general contractors to acquire Liability Insurance coverage: 

  1. To protect themselves and their business. Insurance coverage helps contractors, and their clients, recover losses and damages related to an incident or injury. 
  2. To meet their client’s requirements. Some clients may require that their contractor is insured before hiring them. 
  3. To satisfy legal requirements. Independent contracts are legally required to have coverage, such as General Liability Insurance, in some industries, including construction.

There are several types of insurance for contractors to consider including but not limited to:

  • Contractors Equipment- provides coverage for damages to machinery, tools, and equipment.
  • Inland Marine- Specifically designed to cover machinery, tools, and equipment used off premises.  Coverage extends to rental expense reimbursement and applied items that are owned and leased/rented. 
  • General Liability- offers coverage and costs related to bodily injury, property damage, and personal injury. 
  • Owners and Contractor’s Protective Liability (OCP)- protects the Owner from liabilities resulting from the contractor’s negligence during the hours of construction. Should bodily injury or property damage occur due to ongoing project operations, OCP provides coverage in conjunction with General Liability policies.