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Artisan Contractors Insurance in North Port, FL

As an artisan of your craft, you’re expected to provide intricate work and dependable services. Your skills are one of your most valuable assets, but they also invoke significant responsibility, as your clients’ expectations may be that much higher. Even a slight error, accident or other unexpected situation could impose significant financial repercussions. That’s why, as an artisan contractor, you must prioritize having the right insurance coverage.

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Artisan contractors insurance can generally be seen as a specialized form of business insurance. This term does not often refer to a named product available for purchase from carriers. Rather, you may need to compile your own collection of coverages and policies to form a multifaceted artisan contractors insurance portfolio.

What Types of Insurance Do Artisan Contractors Need?

Given the many trades and services offered by skilled contractors such as yourself, it’s no surprise that exact coverage needs can vary significantly. Still, the general business model and common risks and exposures of artisan contractors may make certain types of insurance valuable to most in this sector. Consider the following:

  • Professional liability insurance, also known as errors and omissions insurance, can be critical to assist with losses and legal expenses should a client accuse you of providing inadequate services.
  • Commercial property insurance can critically cover your business property, including your building, tools, equipment and inventory.
  • Business interruption insurance may offer financial aid if you’re unable to conduct business as usual due to a covered incident.
  • General liability insurance may cover losses if you’re at fault for another party’s bodily injuries, property damage or personal and advertising injuries.
  • Inland marine insurance may financially protect your business assets when off-site, such as while at a client’s location or as they’re transported.
  • Workers’ compensation insurance can help pay for medical expenses, income replacement and other losses should your employees be injured on the job or develop a work-related illness.
  • Commercial umbrella insurance may help pay for third-party losses for which you’re responsible that exceed the coverage limits of other policies.

How Much Does Coverage Cost?

When quoting you rates for appropriate artisan contractors insurance, carriers may need to analyze many aspects of your business, including the following:

  • Services offered
  • Location
  • Years in business
  • Workforce size
  • Number of clients
  • Claims history
  • Coverage details (e.g., types of policies, limits and deductibles)

Get the Right Coverage

Contact Farley Insurance Service today to learn more about artisan contractors insurance or to get a free quote.