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As an artisan contractor, your insurance needs can be as unique as your business. Ranging from plumbers, electricians to landscapers or roofers, it’s necessary to find the right coverage. 

For some artisan contractors, the jobs and responsibilities can get a bit complicated which can lead to some unfortunate events occurring like injuries or property damage. Whatever your field may be, the best way to protect yourself, your business, and your employees is by having the right insurance policies in place. 

Here are some of the policies that might be beneficial to your business:

General Liability 

Some states require artisan contractors to have a general liability policy. Having a general liability policy protects your business from some of the most common risks. The specific coverage can vary by policy. Here is what most general liability insurance would cover:

  • Property damage – accidentally harming property belonging to someone else
  • Bodily injury – a situation where a third party gets hurt and might blame your business for the injury
  • Personal injury – damage to someone’s reputation or livelihood
  • Product liability – a product you made or sold caused bodily injury to someone else’s belongings
  • Legal expenses – costs associated with the above situations

Workers’ Compensation

Having workers’ compensation insurance is highly beneficial to your business, even if you have one employee. Some states also require this form of insurance. If one of your employees is injured or becomes ill as a result of a work-related incident, workers’ comp insurance will cover all medical expenses, rehabilitation, and lost wages. 

Business Auto

Some contractors’ services rely on traveling frequently. Having business auto insurance offers an extra layer of protection against the increased risks of frequently traveling. Whether your business uses one vehicle or an entire fleet, a business auto policy will be very advantageous.

Inland Marine

Inland Marine insurance covers the risk related to property, materials, and equipment that’s either in transit or being stored by a third party. Collisions and cargo theft are the two most frequent causes of inland marine losses. As some property insurance policies will only cover materials or property that are on your business’s premises, this type of insurance is essential if your business frequently ships products, materials, or equipment.  

Business Owners Policy

This type of insurance is tailored to your needs. BOP insurance is customizable and is geared towards small to mid-sized businesses. Rather than sourcing multiple policies, a BOP allows the business owner to get a number of coverages that meet their specific needs.

Is Your Business Covered?

Insurance needs vary from business to business. And finding the right coverage for your needs is vital and necessary in order to protect yourself, your business, and your employees. The policies discussed above are just a few of the policies we offer. Contact Biscayne Risk & Insurance Group today to evaluate the coverage your business needs.

Contact Us Today!

Fill out the contact form below or call 561.571.1001 to speak to a member of our team.
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