Artisan Insurance
Logan, Tremonton

What is artisan liability insurance? 

Artisan liability insurance, also called artisan contractor insurance or craftsmanship insurance, is a specialized liability insurance that covers the daily risks artisan contractors face.

Artisan contractor business insurance is a combination of different policies designed to protect you from financial risk or loss, such as someone getting hurt on a job site, theft of tools or equipment, or an auto accident.

Who needs artisan liability insurance? 

If you’re a contractor or subcontractor that deals in repairing, creating, or installing things in homes and businesses, it could be the end of your business and livelihood if something goes wrong and you don’t have the proper insurance coverage. It’s strongly recommended that all artisans maintain an active artisan liability insurance policy.

Wondering whether you qualify as an artisan contractor? Consider if the following description fits you.

Artisans are typically focused on one or two parts of a project, such as plumbing or carpentry. These contractors provide services that require specific liability needs, as each trade has unique risk factors and the potential for accidents.

If the description above fits you, chances are good you qualify for artisan liability insurance! If you’re still unsure though, here are some examples of artisan contractors:

• Drywall
• Paving
• Framing
• Carpentry
• Masonry
• Excavation
• HVAC
• Landscapers
• Plumbers
• Roofers
• Painters
• Electricians
• Other Construction

What types of business insurance policies should an artisan contractor have?

Every insurance policy is different and should be tailored to your specific needs, but—in general—you want to ensure you’re protecting your employees, tools, equipment, autos, and business with the following coverages:

• General Liability
• Commercial Auto
• Commercial Umbrella
• Builders Risk
• Inland Marine
• Workers Compensation

Is business insurance required for artisan contractors?

Artisan liability insurance requirements vary by state. Some states or municipalities require general liability insurance for craftsmen to get a business license. Landlords may also require general liability insurance if you lease their space. Specific levels of coverage may also be required depending on the state where your business is located or the type of customer you’re serving.

Beyond basic requirements, you can benefit from having artisan liability insurance. As an insured, specialized artisan, you’re more likely to receive additional contracts and business. Many general contractors and customers won’t offer you work unless you have proof of liability insurance.

How do I get artisan liability insurance?

Contact your Leavitt Group of Northern Utah insurance advisor to determine what your needs are. They will give you more details about specific coverages and deductibles and help you tailor an insurance plan that's right for you and your business.