Contractors And Artisan Insurance | Get A Free Business Insurance Quote

May 23, 2012 by

Contractors & Artisan Insurance Program

We offer a wide variety of insurance packages for contractors. Whether you’re the neighborhood plumber or a 15 man crew operation, we can cover a lot of needs. Work with us to get a free competitive quote. You will work with a licensed experienced Insurance Agent, who will put together a policy that is best for the business.

Our Business Policies Go Above And Beyond The Industry Standard

We pride ourselves with our company’s insurance products. We know our policies have comprehensive coverage which most insurance policies do not have.  Take a look at a break down of coverages we offer.

  • General Liability
  • Business Property Or Inland Marine Tool Coverage
  • Special Equipment Coverage
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance
  • And more!
Type Of Contractors We Insure
91111 Air Conditioning – Air Conditioning Systems or Equipment, installation, service or repair including dealers. If heating work also use 95647.
91150 Appliance Installation – Commercial – No residential, apartment work ok.
91155 Appliance Installation – Household (residential) – Installation, service and repair of household appliances & accessories. NO commercial appliances.
91342 Carpentry – Commercial – Includes commercial tenants improvements & betterment, repair & replacement. NO exterior work on buildings exceeding 3 stories. NO stand-alone roofing or a roofing license is allowed. Incidental roofing work allowed in conjunction with a remodeling project.
91344 Carpentry – Handyman – Service and repair work only. Maximum $2,500 per job if licensed and $500 per job if not licensed.
91341 Carpentry – Interior – Finish carpentry, includes woodwork, trim, countertop (no tile), wooden doors, cabinet installation and shelving. NO General Contracting or interior room remodel (use 91340). NO exterior framing work as a subcontractor.
91340 Carpentry – Residential – Includes structural and non-structural remodeling and repair. Examples: Kitchen & bathroom remodeling & decking. Work also may include adding square footage such as a second story or room additions. Exterior framing work as a subcontractor not allowed. NO exterior work over 3 stories. NO stand-alone roofing or a roofing license is allowed. Incidental roofing work allowed in conjunction with a remodeling project.
91405 Carpet-Upholstery Cleaning – Work on customer premises only, NO shop exposure. Only 100% Service/Repair and/or Commercial risks permitted in this class.
91436 Ceiling/Wall Installation – Metal – Ceiling or Wall Installation – Metal or Acoustic.
91551 Communication Equipment Installation – Wiring, cables & circuits for telephone and communications equipment operating at <50 volts. NO telephone line construction, burglar, fire alarm/emergency systems work
91560 Concrete Construction – Includes pouring, placing & finishing concrete. Patios, pads, walkways, mow strips, driveways. Room addition foundations are acceptable as a sub-contractor or the General Contractor. Commercial foundations are acceptable. NO residential foundation work on New Homes. NO exterior work on buildings exceeding 3 stories in height. NO pool construction. NO public street, road or highway work.
91577 Conduit Construction – Cable/Wire – Installation of communication or electrical encasements. Max. depth 12 feet. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
91629 Debris Removal – Construction Site – This classification applies to those risks solely engaged in the removal of debris in connection with construction or erection. NO roof tear-off or soft demo. NO janitorial work.NO salvage operations. NO Asbestos Removal.
91746 Door/Millwork Installation – Metal – Door/Millwork Installation – Garage door work OK. NO window work.
92102 Drilling – Water – Private water drilling with limited agricultural exposure.NO water quality testing or municipal work. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
92215 Driveway/Sidewalk Paving – Includes asphalt or paver installation, parking lots, private roads & commercial or residential driveways or sidewalks. No Public street, road or highway work. NO grading or excavation other than incidental to paving (use those specific classes if not incidental).
92338 Drywall – Residential service, repair or remodeling only. NO New Residential work. New commercial OK. NO insulation work.
92478 Electrical – Within Buildings – Includes incidental outside work. NO power line construction or pole work. NO burglar or fire alarm system, generator, electrical machinery or auxiliary apparatus work. NO work over 480 volts.
94007 Excavation – Max. depth 12 ft. NO Public street, road, highway, agricultural or building demolition other than outbuildings. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
94276 Fence Erection – Applies to risks that install or erect fences – metal or wood. Includes wooden or metal mailbox installation and real estate sign installation. NO sound barrier fencing. NO child-safety fences or electrically charged fencing. Automated gates acceptable.
94569 Floor Covering – No Tile – No dealers. Installation of carpeting, laminate and hardwood flooring. — Ceramic tile, stone, marble or terrazzo work should be separately classified as Tile.
95410 Grading – No Public street, road or highway work. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
95647 Heat/AC no LPG – Sales, installation, service or repair of heating or combined heating and air conditioning systems or equipment. Incidental LPG equipment sales or work allowed, up to 5% of receipts.
96053 House Furnishing Installation – Residential Only. Includes installation of pictures, mirrors, window treatments and closet organizers. NO furniture repair or moving services. For residential appliance installation see 91155.
96816 Janitorial – Commercial – COMMERCIAL OFFICES ONLY – NO residential exposures, model homes, retail work or sales of chemicals or cleaning supplies. NO work in banks, medical or dental offices. Only 100% Service/Repair and/or Commercial risks permitted in this class.
97047 Landscaping Gardening – Landscape Maintenance & Gardening – Basic landscape/lawn care service – mowing, mulching, planting &/or installation. Over-the-counter fertilizer/weed control ok. Lawn sprinkler installation ok. Tree trimming from ground level allowed if incidental to other landscaping operations.
97447 Masonry – Includes cutting & laying of bricks, block, stone and other unit masonry or clay product and mortar work. Retaining walls over 6 feet not allowed BUT perimeter wall over 6 feet ok. NO street, road or highway walls or work. NO exterior work on buildings exceeding 3 stories or cast-in-place concrete work. NO fireplace or chimney work allowed.
97650 Metal Erection – Decorative – Decorative – Interior work only, non-structural, office partitions or work stations. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
98304 Paint Exterior (3 stories & Under) – Buildings & appurtenant structures only, including walkways/fences, surface preparation and faux/texture painting. NO waterproofing of foundations or exterior of buildings. No exterior work on buildings exceeding 3 stories or roof painting. NO work on tanks, street and road or bridges.
98305 Paint Interior – Painting Interior. NO exterior work. NO waterproofing of foundations or exterior of buildings. (Bathtub refinish ok).
98344 Paperhanging – Includes surface preparation, covering walls and ceilings with wallpaper, fabric, vinyl or other wall coverings.
98449 Plaster/Stucco – COMMERCIAL WORK ONLY. NO residential. Excludes Exterior Insulation and Finish Systems (EIFS) work and exterior work on buildings exceeding 3 stories in height. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
98482 Plumbing Commercial – No fire sprinklers or steam boiler work. Includes the installation, service or repair of gas, steam, hot water, pipe or other pipe fittings including building connections. Back flow testing allowed. This class also includes shops and display rooms.
98483 Plumbing Residential – NO New Residential work allowed. Includes the installation, service or repair of gas, steam, hot water, pipe or other pipe fittings including building connections. Back flow testing allowed. This class also includes shops and display rooms.
98502 Prefabricated Building Erection – Intended for light, non-habitational service or outbuildings. NO commercial retail usage. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
98636 Refrigeration Equipment Installation/Service – Installation, service and repair of commercial refrigeration systems. NO wholesale cold storage, manufacturing or food processing plants. Incidental LPG work ok (up to 15% of annual receipts).
99650 Satellite Dish Installation – Service or repair – NO work on buildings exceeding 3 stories in height.
98805 Septic Tank Cleaning – No RV work. NO work below 12 feet. Cleaning of restaurant grease traps ok. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
98806 Septic Tank Installation – No RV, blasting or work below 12 feet. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
98820 Sewer Mains Construction – No work below 12 feet. NO blasting. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
98967 Siding and Gutter Installation – Installation includes soffit/fascia and decorative shutters. NO new residential work. NO spray on siding/roofing/roof flashings or work on buildings exceeding 3 stories. NOEIFS Work. Only 100% Service/Repair and/or Commercial risks permitted in this class.
99004 Sign Painting – No sign erection or work over 2 stories. Only 100% Service/Repair and/or Commercial risks permitted in this class.
99746 Tile/Stone Installation – Tile, Stone, Marble, Mosaic or Terrazzo Work – Installation and repair of these materials to floors, walls or counter-tops.NO swimming pool work or roofing operations.
99946 Water Mains Construction – No work below 12 feet. NO blasting. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.

We Can Write Contractors Insurance In The Following States

Available in: AR, AZ, CA, CO, ID, NM, NV, OK, OR, TX, UT, & WA

We Do Not Write The Following

  • Risks with less than two years experience in the applicants trade.
  • Risks with operations not specifically listed on program classification & rate schedule.
  • Contractors acting in the capacity of a general contractor on new construction, as a builder, project manager or developer.
  • Risks which engage in Maritime operations. . Risks which sponsor sporting or social events.
  • Risks engaging in the renting or leasing of equipment to others.
  • Risks engaging in the selling or manufacturing of products sold under the applicant’s name.
  • New residential construction of condominiums; townhouses; or “tract housing developments” in which more than 10 houses or dwelling units have been built or are in any stage of development, planning, or construction.
  • Construction management for a fee.
  • Exterior work exceeding three (3) stories in height.
  • Public street, road or highway work.
  • Power line construction, burglar or fire alarm system, electrical machinery or auxiliary apparatus work. (Residential alarm pre-wiring ok with no hook up or monitoring)
  • Liquefied petroleum gas (LPG) equipment sales or work. (incidental work ok).
  • Painting of tanks.
  • Fire sprinkler installation or service.
  • No sign erection. No sign painting over 2 stories.
  • Swimming pool installation, service or repair.
  • Removal of any asbestos.
  • Roofers
  • Risks with OCP (subcontractor) costs greater than $200,000 or more than 50% of annual gross receipts.
  • Risks with (in the last 4 years) more than $20,000 incurred losses (including expenses) or more than 2 claims. Construction defect claims please refer to Underwriter.
  • Risks involved in water damage, fire damage, or mold damage repair or remediation as the General Contractor.
Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-on-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Business Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.

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