Artisan and Contractor Insurance
Artisan and contractor businesses are tradesmen and women who earn income by performing repair, improvement, installation or maintenance services at residential and commercial locations, including new construction sites.
Other examples of artisans and contractors include:
- Carpenters
- Electricians
- Masons
- Metal workers and welders
- Painters and paperhangers
- Paving contractors
- Pest control specialists
- Plumbers
- Roofers
- Vending machine repairmen
Special Contractor Insurance Needs
Artisans and contractors should have plenty of Liability insurance. Many general contractors require you to carry limits of $1 million in order to work on a project.
Even if you're not required to have it, Liability insurance is necessary for businesses where your vehicle is often on-site at customer-owned locations. That way, if your parking brake ever slips and your truck rolls into the side of a customer's house, your Liability insurance will pay for the damage, up to your specified limits.
In addition, since you're essentially self-employed, you may want to consider extra Medical Payments insurance, which can help defray the high cost of medical bills incurred as a result of an accident.
These insurance coverages are vital to your business. Get a complete list of small business insurance coverages to learn about everything you'll need to protect your vehicles.
Contact us today for your free, no-obligation quote from Progressive! Or, learn more about small business insurance options.