Artisan Contractors
Artisan Contractors
Coverage designed to meet the needs of Artisan Contractors.
Business Owner Policies for Artisan Contractors.
Per Location General Aggregate Limit: For policies with multiple locations, a general aggregate limit (other than products and completed operations aggregate limit) is provided separately for each location.
Employment Practices Liability: Depending on the coverage level, this provides coverage for employers for liability arising from workplace actions such as discrimination (age, sex, race, disability, etc.), wrongful termination, and sexual harassment. This is claims-made coverage.
Contractors Installation: This provides coverage for direct physical loss or damage to materials, supplies, equipment, machinery, and fixtures to be installed by the insured and temporary structures built or assembled on site.
Contractors Error & Omissions covers losses from mistakes, negligence, or faulty materials that are usually not covered. This insurance is offered on an occurrence basis and has various limits to suit different sizes of businesses.
Contractors Blanket Additional Insured for Ongoing Operations coverage automatically provides Additional Insured status to any entity that requires it in a contract with our insured.
Contractors’ Additional Insured: Completed Operations coverage allows a person or organization to be insured even after a project is finished, as specified by the contract.
Cyber Liability and Data Breach Response: This coverage is a great value add, and higher limits are available.
Optional Value Adds
• Customer Property (Bailee)
• Employee Dishonesty
• Employee’s Tools
• Money and Securities – Inside and Outside Premises (See the Coverage Summary for
additional coverage details.)
Contractor Commercial Auto Coverage
The Business Auto Extensions-Contractors endorsement provides essential coverage extensions for the contracting industry, such as Blanket Additional Insured, Primary and Non-Contributory Coverage, and Blanket Waiver of Subrogation.
The Pollution Liability-Broadened Coverage endorsement protects contractors transporting small quantities of pollutants, like cleaning chemicals, in their vehicles, covering pollution incidents resulting from auto accidents.
The Contractors Tools & Equipment-Auto endorsement offers coverage for tools and equipment with lower limits, primarily aimed at safeguarding against theft and damage from automobile accidents.
Office Properties
Office building insurance generally covers the structure, its contents, and provides liability protection for both tenants and visitors.
Retail Properties
Along with standard building and liability coverage, retail spaces typically need extra protection for outdoor signage, exterior property, and potential income loss resulting from business interruptions.
Industrial Properties
These assets often require specialized coverage that includes equipment, machinery, and possible environmental liabilities related to their operations.
Multifamily Properties
Multifamily residences, including apartment buildings, require extensive coverage to protect the building structure, common areas, and offer liability protection for both residents and their guests.
Hotels and Hospitality:
Hotel insurance needs to account for extra coverage for amenities like pools, spas, and restaurants, as well as liability protection for guests.
Mixed-Use Properties
Insurance requirements for mixed-use developments will differ depending on the specific asset classes present within the property, necessitating a customized coverage strategy.
Self-Storage Facilities
These properties generally need substantial coverage for the building itself, along with liability protection, to guarantee effective risk management.
Optional Coverages to Consider Adding
- Hired and Non-Owned Automobile
- Backup of Sewers or Drains
- Employee Benefits Liability
- Employer's Liability (Stop Gap)
- Employment Practices Liability (Claims Made)
- Tenant's Exterior Glass
- Earthquake Sprinkler Leakage
Our [Service Title] Services
Replace this content with your own relevant and unique content.
Ready to get started?
Schedule a free estimate with us today
What our customers are saying
Testimonial Title
"Replace this content with your own unique content. Content should be relevant and it should be written with the goal of providing the reader the type of information that they are looking for."
- Attribution
Testimonial Title
"Replace this content with your own unique content. Content should be relevant and it should be written with the goal of providing the reader the type of information that they are looking for."
- Attribution
Testimonial Title
"Replace this content with your own unique content. Content should be relevant and it should be written with the goal of providing the reader the type of information that they are looking for."
- Attribution
Ready to Get Started?
Replace this content with your own unique content. Content should be relevant and it should be written with the goal of providing the reader the type of information that they are looking for. Get a free quote today!