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Artisan Contractor Insurance Coverage

With R&R Insurance Group, you get a full suite of coverage options to protect every aspect of your artisan contracting business. We work with top carriers, including Hartford, State Auto, Liberty Mutual, Next, Attune, and Travelers, to offer flexible policies that meet your specific needs.

Core Coverages for Artisan Contractors

  • General Liability: Protects against third-party claims of bodily injury, property damage, or legal defense.
  • Commercial Auto: Coverage for vehicles used in contracting, protecting against accidents, damage, and liability.
  • Property Insurance: Safeguards physical locations, whether a shop or storage site.
  • Tools & Equipment Coverage: Essential protection for high-value tools, both on-site and in transit.
  • Workers’ Compensation: Covers medical expenses and lost wages for employees injured on the job.
  • Inland Marine Insurance: Specialized coverage for movable tools and equipment.
  • Installation Floater: Protects materials and fixtures being installed.

Expanded Artisan Contractor Classes & Carrier Strengths

1. General Contractors.

Ideal for broad contracting services, from remodels to complete builds.

  • Hartford: Broad E&O and pollution endorsements for large-scale projects.
  • Liberty Mutual: General liability with flexible limits.
  • Travelers: Loss prevention for multi-trade general contractors.
2. Electrical Contractors.

Covers installations, repairs, and system upgrades, essential for both residential and commercial work.

  • Next Insurance: Efficient, online management of liability coverage, fitting for smaller, mobile lawn care businesses.
  • State Auto: Provides protection for
  • tools in transit and seasonal flexibility to account for changing business demand.
3. Plumbing & HVAC Contractors.

Tailored for pipework, heating, cooling, and ventilation, covering water and equipment liability.

  • Liberty Mutual: Equipment breakdown, in-progress damage, and pollution liability.
  • Travelers: Water-related loss prevention and liability for plumbing risks.
4. Carpentry & Woodwork Contractors.

Coverage for custom projects, cabinetry, framing, and finishing.

  • Attune: Designed for independent carpenters with flexible tools and liability coverage.
  • Hartford: Comprehensive liability with material and tool protection.
5. Painting & Drywall Contractors.

For interior/exterior painters, drywall installers, and finishing services.

  • Next Insurance: Quick and easily managed general liability online.
  • State Auto: On-site and off-site material coverage.
6. Masonry & Heavy Construction.

Perfect for masons, concrete contractors, and similar fields requiring heavy materials and equipment.

  • State Auto: Comprehensive on-site protection for equipment and material.
  • Travelers: Risk management for structural work, large-scale project liability.
7. Landscaping & Exterior Work

Coverage for landscapers, hardscapers, and exterior contractors working with vehicles and specialized tools.

  • Attune: Seasonal premium flexibility for landscaping work.
  • Liberty Mutual: Tailored property damage and commercial auto coverage for landscaping
Protect What Matters with R&R Insurance Group

At R&R Insurance Group, we offer these classes and many more, bringing you customized policies that provide comprehensive coverage for every artisan specialty.