One of the least-known insurance coverage offered in Colorado is for artisan contractors. This is a policy designed for individuals in the building contracting business as they provide a certain skill or service to help improve the exterior or interior look of a home or commercial building. Some of the occupations that fall under this category include carpenters, landscapers, plumbers, roofers, and electricians.
Often, these artisan contractors use specialized equipment to complete their work. Thus, liability insurance is required to protect them and their business from the potential of workplace accidents or other risk factors involved. A standard artisan contractor insurance policy includes coverage for bodily injuries, damage done to the client's property and a possible third-party (personal or body) damage.
Artisan contractor insurance is strictly liability coverage as an owner cannot make a claim on the damage done to their business office or a work vehicle on-road accident. No, this form of liability coverage protects an artisan contractor from mistakes made to a client's personal property or home due to work-related error.
Unfortunately, these types of mistakes happen every day, especially to artisan contractors who are repairing or installing appliances or other items in a home or commercial building. When mistakes occur, a client expects to be financially compensated. Having liability coverage in place will protect an artisan contractor from personal financial demise against a lawsuit judgment for claims of negligence, bodily injury or property damage. Plus, all legal fees fall under the blanket of the liability coverage.
Come in and talk with an insurance expert at Advantage Service Insurance of Erie, CO as we're here to answer all your artisan contractor insurance concerns. Our staff can fit all your needs into a policy that stays within your businesses' budget range. Be assured that we'll do our best in making sure your business is well-insured with the proper artisan contractor insurance coverage.