Artisan Contractors Being Properly Insured Is Essential

General Liability and Commercial Auto policies are two important coverages all Artisan Contractors need to help protect their business exposure if they are faced with an accident or claim against them.

“General Liability Insurance policy can help keep a small business or Artisan Contractor financially stable if they have a claim against them or if they are sued by a customer following an accident,” began Lisa Cordero, COO, InsureOnline.com. “Having the right amount of coverage and protection that encompasses their specific small business needs is not only essential but required. InsureOnline.com team of licensed insurance agents utilize their extensive knowledge of the commercial auto insurance market to obtain the coverage the artisan contractors need at a price that makes the most business sense.”

What is an Artisan Contractor?

An Artisan Contractor is typically anyone who can provide a specified type of skilled service or improvement within a customer’s home or business. This includes but is not limited to carpenters, electricians, plumbers, landscapers, and janitorial/cleaning services.

What is Artisan Contractor General Liability Insurance?

These trades provide services that require specialized liability needs, as each has its own potential for risk. Artisan Contractors General Liability insurance covers bodily injury, damages to the client or a third-party property, personal injury or injury made against the reputation of a third party, advertising injury and medical payments. Because General Liability Insurance provides such important coverage, most small business owners buy the policy right after they start their business.

Artisan’s General Liability Insurance only provides liability coverage and does not cover property (business/building location, supplies, work vehicles). InsureOnline.com does however offer the ability to cover tools and equipment via endorsement for an additional premium.

Personal Auto vs. Commercial Auto

Depending on the type of business, an Artisan Contractor may be required to carry commercial auto insurance. If not properly insured, an Artisan Contractor’s personal insurance may leave them exposed to additional risk while on the job. The insured can use their vehicle to get themselves to and from work or a meeting, however they may not have insurance coverage for their work exposure unless they have the right insurance coverage in place.

Cordero explained, “The InsureOnline.com team are comprised of licensed insurance agents who specialize in a variety of insurance lines including Commercial Auto. They will work closely with the customer in order to fully understand their business and what their commercial insurance needs include. When preparing a quote for a commercial vehicle insurance policy, there are many factors that come into play such as the type of vehicle(s) the Artisan Contractor owns, the number of vehicles, who drives the vehicle, and the duration”.

InsureOnline.com is able to shop Commercial Auto insurance plans from many carriers such as First Chicago Insurance Company, Next Insurance, Progressive and State Auto who can help protect an Artisan Contractor whether they have one vehicle, or an entire fleet used for transporting tools and equipment to and from job sites. Commercial Auto Insurance plans can include a wide range of coverage options which include newly acquired autos, owned, or leased vehicles, light trailers, hired and non-owned and limits ups to 500 CSL or higher.