Artisan Contractors

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First Underwriters team of insurance professionals will tailor fit insurance coverage specifically for your Commercial and Residential Artisan Contracting business, which includes carpenters, remodelers, plumbers, electricians, flooring, HVAC and more.  .

Our “A” rated carriers and program availability in nearly every state across the country makes us a valuable partner for you.

Even the best contractors sometimes face challenges. With our years of experience, First Underwriters understands the unique liability risks of roofing contractors. Our experts can provide you with a wide range of solutions to manage and stay ahead of any risks that could affect your business.

Your trusted partner from quote to claim. First Underwriters will be your trusted partner, offering you insurance policies that provide you with a legal defense and covering any damages awarded up to your policy limit.

  • General Liability $1M/$2M
  • Excess/Umbrella – $5M with higher limits available
  • Per Project Aggregate
  • Fire Damage Legal Liability
  • Medical Payments
  • Contractors Pollution Legal Liability
  • Subcontractor work allowed
  • Commercial Auto coverage
  • Equipment/Tools Coverage
Artisan Contractors Insurance Coverages

Insurance exists for the purpose of protecting persons and organizations from the adverse financial consequences of certain unpredictable events, regardless of the coverage line being considered. For general liability insurance, the unpredictable event that constitutes the subject of the insurance is a claim of legal liability arising out of a company’s operations, premises, products, and completed work.

Umbrella liability insurance and excess liability insurance are two forms of secondary coverage—that is, they both sit above one or more underlying liability policies and do not attach until the underlying policy’s limit of insurance has been exhausted.

The Commercial Auto policy will pay “sums” for which the insured is legally liable because of bodily injury or property damage to which the insurance applies. Therefore, while covered bodily injury or property damage is required to trigger coverage, recovery under the policy can actually go beyond these types of damages.

Employee Benefits Liability insurance provides coverage to an employer for errors or omissions in the employer’s administration of its employee benefit program.

The Employee Benefits Liability coverage would pay for the benefits that would have been payable under the health insurance plan but for the employer’s error.

Commercial property  is the policy that an organization purchases to pay for damage to its own buildings and the personal property in them. A commercial property policy can also cover loss of income or increase in expenses that result from insured damage to buildings and their contents.

A business income coverage form is an extension of the commercial property type policy which funds a company’s loss of income due to a slowdown or temporary suspension of normal operations which stem from damage to its physical property. Coverage typically includes the loss of income but excludes ordinary operating expenses. 

Crime and Fidelity Insurance protects the actual money you have in the operating account and reserve accounts. Crime and Fidelity Insurance protects the money from embezzling, check fraud, invoice padding or false invoices, computer fraud and wire fraud.

Your accounting firm may store employee and customer data, like social security numbers, credit and debit card numbers, and contact information. If any of this information gets lost or stolen, data breach coverage can help pay the costs to:
 
  • Notify impacted individuals
  • Manage public relations
  • Deliver good faith advertising

You can think of this as construction site insurance. It provides coverage specifically for on-site property damage of a site under construction. This coverage varies by company, but typically covers the construction materials you’re using on site. The coverage limit is based on the value of the structure when completed.

If you provide consultation, design work, or advice as a part of your professional services, this liability coverage can protect you. Also known as “errors and omissions” insurance, it’s designed to cover potential claims due to a loss that a client may experience from your services.

- Artisan Contractors Insurance -

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