Artisan Contractor Business Owners Risk

Your artisan contractor employees drive to multiple locations while contributing to renovation or construction jobs. Since equipment, tools and other materials are being transported to the job sites, it opens up the possibility of theft or damage while on the road. Your artisan contractor business is also vulnerable to risk because your workers could cause damage to a customer’s valuable property while working on the premises. When considering the assorted types of insurance coverage, an artisan contractor business owners policy should be at the top of the list as it will be instrumental in preventing costly situations.

Artisan Contractor Business Owners Insurance

artisan contrator's BOP insurance quote

An artisan contractor business owners policy, or BOP, groups general liability and property insurance together, making it an attractive choice for a small business with a limited budget. The BOP can also be tailored to custom fit your needs.

Coverage Under Business Owners Policy For Artisan Contractor Businesses

An artisan contractor business owners policy includes general liability coverage for claims of bodily injury, property damage and personal injury and also covers costs involved with litigation and settlements. The BOP also targets specialized areas of property insurance coverage which include the following:

  • Equipment Breakdown – Your artisan contractor business relies primarily on the use of machinery, equipment and tools and it is important to keep everything in good working order.  Having this insurance in place will help to avoid any negative impact on your business by repairing or replacing your equipment so your operations can resume as quickly as possible.
  • Buildings and Contents – If your business facility sustains damage from fire or natural disaster, the cost to repair or replace your business assets would be covered under this policy. This insurance coverage pertains to your building structures, equipment, supplies and furnishings and helps you to get back to business.
  • Business Interruption – Unexpected events such as fire or natural disaster can completely stall your business operations and have a dismal effect on your finances. Business interruption coverage can get you through this challenging time by covering lost business income and continuing expenses while the situation is resolved and operations are restored.
  • Electronic Data – Your electronic data is crucial when operating a business and losing this data to computer viruses, hacking or even fire is an unsettling reality. It can be difficult and costly to recover but this insurance will offer you protection for lost or damaged electronic data and cover you for losses or extra expenses incurred from the interruption of your computer operations. You are also covered for the replacement or reconstruction of the data.
  • Newly Acquired or Constructed Buildings – This insurance will cover a new building intended for similar use by your business, as well as new buildings being constructed on your premises. With this insurance, you must inform your insurer within 30 days of acquisition so they can add it to your policy.
  • Valuable Papers Protection - Your business must keep hard copies of certain documents such as contracts, financial records and employee files which can be difficult to replace if lost or destroyed. This insurance policy will help to cover the costs involved in replacing these documents, ensuring your down time is minimal.
  • Employee Dishonesty Coverage - The success of your artisan contractor business is often due to excellent employees, but you could have unknowingly hired someone who turns out to be untrustworthy. Fraud or theft by an employee can set your business back enormously, and even lead to bankruptcy. Any financial loss due to a dishonest employee will be covered by this insurance policy.
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Business Information (Required)
Business Type
Business Name
Full Time Employees
Legal Entity Type
Part Time Employees
Years In Business
Hired Sub Contractors
Yearly Gross Sales
Employee Yearly Payroll
Property SqFt (Occupied)
Building Coverage
Liability Limits Needed
Prop. Deductible
Business Personal Property
Description Of Operations
Additional Coverage Selection (Not Required)
Workers Compensation
Professional Liability
Umbrella Liability
Commercial Auto
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First Name
Last Name
Business Address
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