California Artisan Contractors Insurance

Leap | Carpenter | Kemps Insurance Agency | Jun 16, 2020 | minute read

Construction projects depend on the special talent and skills of artisan, or specialty, contractors. Artisan contractors are part of our thriving economy. For many artisan contractors, the most cost effective and efficient way to obtain property and liability coverage is with a Business Owners Policy (BOP) especially tailored to their needs. Although marketed under a variety of names, these policies will typically have provisions similar to the BOP.

In addition, a contractor will need workers’ compensation insurance. Contractor’s General Liability insurance is for residential and commercial builders, general contractors, construction managers, design and build firms, specialty contractors or subcontractors, owners or public and private construction projects.

What Is Workers’ Compensation?

Workers' compensation insurance is insurance that provides lost income, medical benefits, disability benefits, and rehabilitative services for workers injured on the job or while performing work-related duties.

Who Are These Artisan Contractors?

Artisan contractors are usually small companies that offer specialty skills made up of one or more of the following:

  • Landscaping
  • Pool & spa
  • Finish carpentry
  • Framing
  • HVAC
  • Plumbing
  • Masonry
  • Lighting
  • Concrete work
  • And more

What Are The Risks Associated With Artisan Contractors?

Artisan contractors have many different risks that can be covered by commercial insurance:

  • Commercial auto
  • Loss of equipment & tools
  • Commercial general liability
  • Professional liability
  • Workers' compensation

In order to bring the very best options and most competitive pricing to our customers, Leap / Carpenter / Kemps helped to establish Sierra Gateway Insurance Services in 1991. This entity provides your Leap / Carpenter / Kemps agent with a wealth of marketing options that smaller agencies just cannot access options that in many cases match and exceed those of the largest national agencies.

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About The Author

LCK Insurance Agency is one of California's most prominent independent insurance agencies. They offer commercial business insurance, employee benefits, life & health insurance, and personal insurance.

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