Business Insurance for
Texas Artisan Contractor Insurance
Artisan contractors are those that provide specialized skills, such as electricians, plumbers and carpenters. Texas artesian contractor insurance is generally issued to small specialized contracting companies that have less than 10 employees. In Texas a large percentage of Artisan contracting companies are family owned, and considered too small for large insurance companies to work with.
The Texas Department of Insurance (TDI) allows four types of companies to provide Artisan Contractor Insurance: Licensed Insurers are guaranteed by the TDI for up to $300,000 per claim; TDI eligible Surplus Lines Insurers; Risk Purchasing Groups; and Risk Retention Groups.
General Liability Coverage
General liability insurance is important for all artisan contractors in Texas, because it helps prevent your company from losing everything if an unexpected accident occurs. Texas Artisan Contractor Insurance with general liability coverage pays settlements, judgments and legal fees if your company is sued or found liable for a physical injury that happens related to your company, or property damages that occur. These protections apply at your place of business as well as on site work environments.
General liability further protects you from potential slander or misleading advertising accusations, and physical or property injuries that occur as a result of work services and products your company provided.