Artisan Contractors Liability Insurance

Who Is An Artisan Contractor

Artisan contractors, also known as casual contractors, are individuals who have specific skills in the construction industry. They typically specialize in a particular trade or craft and work on a variety of construction projects. These skilled tradespeople can operate as independent contractors or own small businesses that perform a specific trade or job. 

Examples of artisan contractors include electricians, plumbers, carpenters, painters, landscapers, roofers, HVAC technicians, masons, and many others. These professionals often work on a project-by-project basis, offering their specialized services where needed. 

Whether they're installing plumbing in a newly built home, painting a mural, or fixing a roof, artisan contractors apply their specialized skills to deliver high-quality work in their trade. Their specialized nature is why they often need specific types of insurance coverage, like Artisan Contractors Liability Insurance, to protect against the unique risks they face in their line of work.

Exclusions For Artisan Contractor Liability Insurance

While Artisan Contractors Liability Insurance provides a broad range of coverages, there are typically several types of claims that are not covered by this type of policy. These might include:

• Intentional Acts: These policies do not cover damage or injuries resulting from intentional or illegal acts.

• Professional Errors: Professional mistakes such as poor workmanship or design errors, often known as Errors & Omissions (E&O), are usually not covered. However, separate E&O insurance can be purchased.

• Workers' Compensation Claims: If your employees are injured on the job, those claims are not covered by this liability insurance. These claims are instead covered by a separate workers' compensation insurance policy.

• Damage to Your Own Property: While this insurance covers damage to client properties, it generally doesn't cover damage to your own property or equipment. This type of coverage is typically provided by a commercial property insurance policy.

• Pollution: Damage caused by pollution or environmental contamination is usually excluded, though some insurance companies may offer additional pollution coverage.

• Employment Practices Liability: Claims related to employment practices, such as discrimination or wrongful termination, are usually not covered under this policy.

Remember, the specific exclusions can vary between insurers and individual policies, so it's always important to read the policy details carefully and discuss any potential gaps in coverage with your insurance agent or broker.