{"id":2479,"date":"2021-11-03T16:53:12","date_gmt":"2021-11-03T16:53:12","guid":{"rendered":"https:\/\/www.insurancebee.com\/blog\/?p=2479"},"modified":"2024-10-24T13:25:25","modified_gmt":"2024-10-24T13:25:25","slug":"insurance-artisan-contractors","status":"publish","type":"post","link":"https:\/\/www.insurancebee.com\/blog\/insurance-artisan-contractors","title":{"rendered":"What kind of insurance do artisan contractors need?"},"content":{"rendered":"\n


<\/p>\n\n\n\n

\"Artisan<\/figure>\n\n\n\n

Artisan contractors\u2019 insurance is a tool you want to keep handy. It protects your business if you make a mistake, cause injury to someone, or damage their property. And there\u2019s coverage to protect your equipment and staff too.<\/p>\n\n\n\n


Read on for a run-down of the policies artisan contractors need, what they cover, and why you need them.<\/p>\n\n\n\n

<\/p>\n\n\n\n

What insurance coverage do artisan contractors need?<\/h2>\n\n\n\n


You may offer carpentry, painting and decorating, tiling, handyman, plumbing, or electrical services. You may offer all of those and more. But whatever your area of craftsmanship, there are three policies you shouldn\u2019t be without:<\/p>\n\n\n\n

<\/p>\n\n\n\n

\u2022 General liability insurance<\/a>
\u2022 Professional liability insurance<\/a><\/p>\n\n\n\n

Plus, depending on the way your business operates, you may also want:<\/p>\n\n\n\n


\u2022 Workers\u2019 compensation insurance<\/a> (if you employ anyone)
\u2022 Cyber insurance<\/a> <\/p>\n\n\n\n

<\/p>\n\n\n\n

<\/p>\n\n\n\n

General liability insurance for artisan contractors<\/h2>\n\n\n\n


You work at your clients\u2019 properties, right? Then you need general liability insurance<\/a>. It covers claims for:<\/p>\n\n\n\n


\u2022 Injury to someone (other than you or an employee) \u2013 say a client trips over your toolbox, breaks an ankle, and needs hospital treatment. Your policy can pay their medical expenses.<\/p>\n\n\n\n


\u2022 Damage to someone\u2019s property \u2013 you brush past an antique vase and it topples, smashing on a newly laid parquet floor. Your policy can pay to replace the vase, as well as for repairs to the floor.<\/p>\n\n\n\n


\u2022 Personal injury \u2013 you\u2019re overheard saying something not-so-nice about a tricky customer. It gets back to them and they sue you for slander. Your policy can pay for an attorney to defend you and compensation if it\u2019s due.<\/p>\n\n\n\n


Of course, you\u2019re careful. But accidents happen. And the trouble is, you can be sued even if an accident wasn\u2019t your fault. General liability insurance protects you from claims for accidental injury and property damage, even if the case is groundless.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Professional liability insurance<\/h2>\n\n\n\n


General liability insurance doesn\u2019t cover faulty workmanship claims. You need professional liability insurance<\/a> to cover those. And because you charge for your service, clients can sue you if they think your work wasn\u2019t up to scratch. Even if the claim has no grounds.<\/p>\n\n\n\n


Faulty workmanship claims can be expensive. If the case goes to court, you\u2019ll have to hire an attorney to defend you. Then there\u2019ll be legal fees and court costs to pay, plus compensation if the case doesn\u2019t go your way.
Thing is, claims like these don\u2019t just hit your wallet hard, they take up your time. And that\u2019s time you could be working. So you end up losing income too.<\/p>\n\n\n\n


Say you have a tricky client. He calls to say there\u2019s a problem with the internal doors you fitted. You go back several times to fix the problem but he\u2019s still not satisfied. He calls in another contractor to re-do the job and then sues you to cover the cost.<\/p>\n\n\n\n


If that happens, your professional liability policy steps in. You\u2019ll get an attorney to defend you, your legal fees paid and compensation, too, if necessary. Pretty handy, huh? Sure, it\u2019s a piece of protective equipment you\u2019ll, hopefully, rarely use, but it\u2019s good to know you have it. Just in case.<\/p>\n\n\n\n

<\/p>\n\n\n\n

OK. So those are the policies you definitely need. But there are a couple of others to bear in mind.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Workers\u2019 compensation insurance<\/h2>\n\n\n\n


Do you have any employees? Even if you have just one person on your payroll, most states require you have workers\u2019 comp insurance. It\u2019s best to check your state\u2019s requirements<\/a> as penalties can be severe.<\/p>\n\n\n\n


But it\u2019s a good policy to have anyway. Especially for a small business owner. It protects you from the cost of workplace injuries. And in your line of work, accidents are a daily hazard.<\/p>\n\n\n\n


If one of your employees is injured, needs medical treatment and time off work to recover, workers\u2019 comp insurance can cover their medical bills and lost earnings. Plus, if the case goes to court – no matter who\u2019s at fault \u2013 it can pay your lawsuit costs too.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Cyber insurance<\/h2>\n\n\n\n


If you own a website, use email, and transfer money online, you\u2019ll want cyber insurance<\/a>. Because for small businesses like yours, with less cash to spare for tough cyber security, you\u2019re an easy target.<\/p>\n\n\n\n


Cybercriminals are getting smarter. Nowadays, they don\u2019t just hack into your system and hold your website to ransom. Email and money transfer fraud are on the rise.<\/p>\n\n\n\n


If you get hacked, cyber insurance provides you with 24\/7 technical support. Plus, the financial resources to recover from the attack. It means you\u2019ll be back up and running, doing business again fast. And in the meantime, you and anyone who works for you, get training to help reduce the risk of an attack.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Artisan contractors\u2019 insurance cost<\/h2>\n\n\n\n


Insurance costs vary from business to business. The price you\u2019ll pay depends on factors like:<\/p>\n\n\n\n


\u2022 the size of your firm
\u2022 where you\u2019re based
\u2022 the limits you choose.<\/p>\n\n\n\n

<\/p>\n\n\n\n

But there are ways you can save money. Choose to pay a bigger deductible (the amount you\u2019ll contribute if there\u2019s a claim) and you\u2019ll pay less for your policy. Just be sure you can afford your deductible if it comes to it.<\/p>\n\n\n\n

When you\u2019re working out how much cover you\u2019ll need, it\u2019s always best to over-estimate. Think worst-case scenario, but pick a figure you can realistically afford.<\/p>\n\n\n\n

Our general liability policies cost from $42 a month; professional liability policies start from $71 a month. But if you\u2019d rather pay every quarter, or in one lump sum, you can. Choose the payment plan that suits you.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Artisan business insurance quotes<\/h2>\n\n\n\n


If you\u2019re still not quite sure what artisan insurance<\/a> you need, there\u2019s more information over on our website. Or call us at 978.344.4215 and we\u2019ll talk you through your options.<\/p>\n\n\n\n


But if you\u2019re all set and ready to get your quote it\u2019ll only take a minute or two. Get your quote online now<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

Artisan contractors\u2019 insurance is a tool you want to keep handy. It protects your business if you make a mistake, cause injury to someone, or damage their property. And there\u2019s coverage to protect your equipment and staff too. Read on … Read more…<\/a><\/p>\n","protected":false},"author":16,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[30],"tags":[121,115,68,69],"class_list":["post-2479","post","type-post","status-publish","format-standard","hentry","category-small-business-insurance","tag-cyber-insurance","tag-eo","tag-general-liability","tag-professional-liability"],"yoast_head":"\r\nWhat kind of insurance do artisan contractors need?<\/title>\r\n<meta name=\"description\" content=\"Insurance for artisan contractors helps pick up the pieces when things go wrong. 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