We At MJF Insurance Understand The Insurance Needs & Concers of Artisan Contractors

Artisan Contractors
Artisan Contractors are smaller operations that work in a variety of settings. They may be involved on large construction projects under the direction of general contractors, operate in smaller residential projects, specialize in installations or work on renovation or remodeling projects.
Artisan contractors are involved in many types of specialties such as plumbing, electrical work, minor excavation, landscaping, heating, air conditioning, painting, roofing, dry-walling, carpentry, remediation services, asphalt/paving, etc. These operations need a full complement of insurance services, such as general liability, inland marine (to protect their tools/equipment), workers compensation, commercial auto, excess liability and commercial property.
There is no standard definition of an artisan contractor. They are typically defined according to an individual insurance company’s underwriting rules. The factors typically considered are:
The number of employees

Contractor’s role in projects (general vs. sub-contractor)

The amount of net income

Size and number of projects or work sites

Type of projects

Growth of the particular operation

Construction is a hazardous business under the best circumstances. Artisan exposures are tricky because their small size means less premium dollars, yet many of their loss exposures are the same as much larger construction operations. A new artisan contractor often means an inexperienced contractor and the inexperience usually results in a higher number of losses.
Artisan contractors need knowledgeable insurance professionals to help them identify their protection needs, especially in the areas of handling exposures to the contractor’s tools and equipment. Complete information must also be developed concerning losses that may occur on their customer’s premises and damage a contractor may cause to property that belong to third parties, but which is in the contractor’s possession or control

For an Artisan, Contractor, General Contractor insurance quote visit

http://www.nycommercialinsurancequotes.com.  

We are licensed in NY NJ CT PA MD NC SC TX FL

WE CAN INSURE ALMOST ANY BUSINESS OR INSURANCE NEED, FEEL FREE TO REACH OUT AND WE ARE SURE OUR STAFF CAN HELP! 

         

About FuscoInsuranceAgency

Independent Insurance Broker Gold & Silver Bullion & Coins Advisor / Sales President of Fusco Insurance Agency, Inc. Providing Solutions For Your Insurance & Retirement Needs! Licensed in NY NJ CT PA MD NC SC TX & FL insuredbyfusco.com E Mail: mfusco@mfuscoinsurance.com Toll Free: (866) 983-8726 Fax (866) 299 - 7990
This entry was posted in Air Conditioning Contractors, Alarm Installers, Available In NY,NJ,CT,PA,MD,SC,NC,TX & Fl, Brooklyn, Business Auto Insurance, Commercial Auto Insurance, Commercial General Liability Insurance, Commercial Insurance, Commercial Truck Insurance, Commercial Vehicle Insurance, Company Vans, Contracting Risks, Contractor Equipment Insurance, Contractor Fleets, Cement Mixers, Patrol Companies, Prisoner Transport, Delivery Services (parcels & documents), Container Haulers, Hotel/Motel Courtesy Vans, Sand & Gravel Haulers, Select Fle, Dump Truck Insurance, Excavation Projects, Excavators, Exterminators, General Contractors, H.V.A.C. Contractors, Lansdcapers, N.J. Contractors, N.Y. Contractors, New Jersey, New York, Painters, Plumbers, Pool Installers, Road Pavers, Siding Installers, Sign Painting & Lettering, Small Fleet Insurance, Staten Island, Tree Trimmer / Pruners, Truck Drivers. Bookmark the permalink.

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s