Artisan contractors, also known as casual contractors, include many occupations that involve skilled work with tools at the customer’s premises. Contractors need General Liability insurance in case they are sued due to an owner or employee making a mistake that injures someone or causes property damage. These mistakes may render the contractor legally liable for damages to those who suffered a loss as a result of the contractor’s action or inaction. Some lawsuits are quite severe and could bankrupt a business, so it’s essential that artisan contractors—however small—be adequately insured.
The common General Liability coverages include:
- Bodily Injury (BI): This is similar to your auto insurance. If you or someone connected with your business causes an injury to another, the injured party's medical expenses, lost compensation and costs associated with loss of services will be taken care of.
- Property Damage (PD): If property is damaged by something you or your employee did or even did not do, GL will pay out on the damage and loss of use of the property.
- Products and Completed Ops: If the material you use ends up being defective or you unintentionally skipped a step in the work process, any claims that result will be taken care of.
- Medical Payments: Subject to lower limits (usually $5,000 to $10,000), this coverage pays any medical expenses regardless of who is at fault. The idea is that if prompt medical payments are disbursed, a lawsuit may be prevented.
- Personal and Advertising Injury: If a third party is defamed or libeled because of the advertising of your products or services, it is called a personal and advertising injury. Any resulting claims will be handled by your GL.
- Damage to Rented or Leased Premises: This takes care of any damages to property you rent or lease.
Carpenters, plumbers, electricians, landscapers and tree trimmers are some of the types of artisan contractors that we have available on our easy rate-quote-bind-pay-issue portal. For as little as $500 + taxes/fee, we can insure a small artisan contractor for a $1,000,000 limit and zero deductible (on most classes). We can consider new business ventures with experienced owners. Our system also allows for additional insureds on an individual or blanket basis. The best part about this system is the ease of use. In only a matter of minutes, you can have a policy issued and printed so that your contractor can start work immediately.
Get started today at my.RPSins.com using your Google Chrome browser.