As an artisan contractor, you face unique on-the-job risks. In addition to the hazards that come with your trade, you may also face liability risks working on your customers’ premises. Here at Billy Brown Insurance, we understand the responsibility and commitment you have to cultivate a safe environment, but we also know that accidents can happen. That is why we help Delafield area contractors like you find affordable, quality artisan insurance that protects you and your business against a wide range of perils and risks.
Who Needs Artisan Contractor Insurance?
Artisan contractors – often referred to as ‘casual contractors’ – can include people who work in many different specialty fields. These include contractors and sub-contractors who provide skilled work and work with specialty tools. Examples include:
- Plumbers
- Electricians
- Carpenters
- Roofers
- HVAC specialists
- Tree removal specialists
- Exterminators
- And more
Working as an artisan contractor means that you are often moving between multiple work sites, hauling your tools with you each time you go. You may work directly with your clients or provide sub-contract work for a general contractor. Although your individual insurance coverage needs may vary, there are certain types of commercial coverage that are typically required for artisan contract work.
Property
If a covered event, such as a fire, damages or destroys your business and the contents inside, commercial property insurance can help you recover your losses with minimal out-of-pocket costs.
Mobile Equipment
If you regularly transfer equipment or tools for business purposes, mobile equipment coverage can help cover the cost of a loss if your equipment is damaged during the course of business due to a covered event.
General Liability Insurance
This type of insurance can protect your business against lawsuits when you or a member of your staff is responsible for a third-party’s property damage or bodily injury. It can help cover your court fees, legal defense costs, and any judgments or settlements on your case up to the limits of your policy.
Commercial Auto Insurance
Most artisan contractors use a vehicle in the course of business. If you own a business that employs multiple workers, you may even have a fleet of commercial vehicles used in your operations. Commercial auto insurance is designed to protect your business if one of your vehicles is damaged due to a covered event or if one of your drivers causes a collision that results in injuries or property damages.
Workers Compensation Insurance
If you have employees working for your business, workers compensation insurance helps pay for medical bills and lost wages if they are injured on the job.
Professional Liability Insurance
Some artisan contractors need professional liability insurance to help protect against financial responsibility due to a professional error. For example, a plumber might need to file a claim against professional liability insurance if he forgets to close a valve that results in water damage to a customer’s home.
Excess Liability
Excess liability insurance is commercial umbrella insurance that extends the limits of your primary liability protection. This coverage is designed to protect the continuity of your business and prevent possible bankruptcy in the event of a major lawsuit.
Artisan Contractor Insurance in Delafield, WI
If you are a contractor in the greater Delafield area, we here at Billy Brown Insurance want to help you get the commercial coverage you need at a price that fits your budget. For more information about artisan contactor insurance or to request your free quote, contact our office today.
