Contractors Insurance Information
Insurance for Artisans vs. General Contractors
Contractors are skilled tradespeople who work on residential and commercial construction projects of any shape or size. General contractors are responsible for managing workers on a job site. This responsibility often includes workers who perform dangerous tasks, such as working at heights, operating heavy machinery or working around hazardous or flammable materials. On the other hand, artisan contractors are the hands-on professionals, such as electricians, plumbers, interior designers or HVAC service providers who provide the specialized skills that a project may require.
What Types of Risks Do Artisan Contractors Face?
As an artisan contractor, you may be liable for repaying any damages if you make a mistake. Insurance for artisan contractors is usually liability coverage that insures you against the liabilities characteristic of your work. This insurance coverage may also help repay those affected by your mistake.
What Insurance Do Artisan Contractors Need?
As an artisan contractor, accidents and mistakes can happen at any time. The right insurance can help you cover any third-party losses without jeopardizing your financial livelihood. You can work with us to create a customized liability insurance package that lets you provide top-quality services and have peace of mind if something goes wrong.
Depending on your contracting needs, you may also want to consider additional types of liability insurance. These include:
Building property—Covers buildings, storage buildings, garages, fixturesand other structures. It also covers specific structural features such as installed floor coverings and building glass.
Completed operations—Provides coverage for bodily injury and property damage claims after a project is completed.
Data compromise and identity restoration—Provides coverage to help you after a data breach occurs or if you become a victim of identity theft.
Installation floater—Provides broad coverage for covered property you own or are responsible for while in transit, awaiting installationor being installed at a job site.
Loss of income—Provides coverage if your operations are suspended due to a covered loss.
Mobile equipment—Provides broad coverage for your mobile equipment, toolsand equipment.
Determining the type of insurance you need depends on various factors, including your specific type of contracting work and the present risks. We can help customize your artisan contractor benefits to meet your needs best.
How We Can Help
Germani Insurance Services can help protect your financial future with the proper insurance. Call us at 310-733-2390 to get started on your artisan contractor coverage today.