Construction projects depend on the special talent and skills of artisan contractors. Artisan contractors are part of our thriving economy. For many artisan contractors, the most cost effective and efficient way to obtain property and liability coverage is with a Business owners Policy (BOP) especially tailored to their needs. Although marketed under a variety of names, these policies will typically have provisions similar to the BOP. In addition, a contractor will need workers’ compensation insurance.
What is Workers’ Compensation?
Workers' compensation insurance is insurance that provides lost income, medical benefits, disability benefits, and rehabilitative services for workers injured on the job or while performing work-related duties.
Who Are These Artisan Contractors?
Artisan contractors are usually small companies that offer specialty skills made up of one or more of the following:
- Pool & Spa
- Finish Carpentry
- Concert work
- And more
Artisan contractors have many different risks that can be covered by commercial insurance:
- Commercial Auto
- Loss of equipment & tools
- Commercial general liability
- Professional liability
- Workers” compensation