April 4, 2023
What is Artisan Contractors Insurance For Your New Hampshire Business?
What is Artisan Contractors Insurance?
Artisan Contractors Insurance is a type of commercial general liability insurance that protects your business from lawsuits resulting from your mistakes or damage resulting from your work. An artisan is a contract business that typically is highly skilled and may use tools at the client’s premise.
Casual contractors or “artisans” is fairly broad but includes skilled occupations such as carpenters, plumbers, electricians, HVAC, landscapers, roofers, decorators, exterminators, excavation, handymen, and many more.
Each contractor type has its own unique risk factors or potential accidents. Artisan contractors’ insurance cover damages to the client or third-party property, injuries to the body, personal injury, injury made against the reputation of a third party, medical payments, advertising injury, or any sort of action taken against a competing company. Our top insurance agency in Bow, Concord, Hookset, provides commercial artisan contractors insurance.
When is Artisan Contractors Insurance Useful?
Artisan Contractors Insurance is a type of business liability coverage that protects against property damage and bodily injury. Artisan contractors will find it useful that work on residential or commercial properties, from landscapers to plumbers to electricians.
Mistakes happen for every business. As a contractor installing, repairing, or building things at a home or business, those mistakes could end the business without proper commercial insurance in Bow, Concord, Hookset, and New Hampshire. Contact us to review your current New Hampshire artisans contractors insurance policy and to talk about options.
What Does Artisan Contractors Insurance Cover?
Artisan Contractors Insurance provides coverage for liability, equipment, and property.
Liability insurance covers injuries on the job site due to negligence (for example, if you accidentally drop a tool onto someone's foot). The insurance policy also covers bodily injury claims brought against you by third parties who may have been injured while working at one of your sites. This may include workers' compensation claims related to those injuries and any legal fees associated with defending yourself against those claims in court.
Property coverage is essential because it protects your business if someone damages your tools or other items on the job site. Equipment coverage protects your tools from damage caused by theft, fire, or natural disasters like floods or earthquakes.
Artisan Contractors Insurance also covers things like:
- Equipment breakdowns
- Employee theft or vandalism
- Contractor errors in judgment (not enough tools)
Having an independent insurance agency that understands NH artisans can be challenging. Allied is a top-rated independent commercial insurance agency covering businesses in Bow, Concord, Hookset, and all of New Hampshire.
For more information on the best artisan contractor insurance coverage in New Hampshire, contact Allied Insurance Agency.