Artisan Contractors Insurance in El Paso, TX
Specialized work requires specialized protection. Businesses and workers in these fields should consider artisan contracts insurance to address the unique needs and risks of the work involved.
What Is Artisan Contractors Insurance?
Artisan contractors insurance is a specialized business insurance designed for skilled tradespeople such as plumbers, electricians, carpenters, and painters. These workers typically have specialized skills and equipment they use to perform their work. Artisan contractors insurance can help financially protect these workers against the specific risks and losses they may face, such as from accidents, property damage, injuries, and legal claims.
What Does Artisan Contractors Insurance Cover?
The following are key coverage types typically included in an artisan contractors insurance policy:
- General liability may cover bodily injury or property damage to a third party.
- Tools and equipment coverage may cover specialized equipment or gear in incidents of theft, loss, or damage. It may cover these items on the jobsite or while in transit.
- Workers’ compensation is legally required to be offered to employees in most states. It may cover medical expenses and lost wages for work-related injuries or illnesses.
- Commercial auto insurance may cover vehicles that are used for business purposes like transporting materials to and from job sites.
- Professional liability insurance (or errors and omissions) may cover claims related to professional mistakes or faulty workmanship.
How Much Does Artisan Contractors Insurance Cost?
Artisan contractors insurance premiums are typically based on the following factors:
- Trade type
- Business size
- Number of employees
- Claims history
- Coverage limits and deductibles
Contact Us
Contact Auto Smart Insurance in El Paso, TX to discuss your professional insurance needs and find a policy that fits your unique situation and budget.