Get Protected with Artisan Contractor Insurance in Arvada
Finding affordable artisan contractor insurance in Arvada comes down to one specific requirement: finding a reliable agent who’ll do all the research, rate and discount negotiation and then arrange the policy for you, simply and without fuss.
That’s exactly the approach of the Trust Hall Insurance team. Bring your artisan insurance requirements to us, and then get on with running your business.
What is Artisan Contractor Insurance?
You may think of yourself as being a specialist or casual contractor, a tradesperson or another term that means the same thing — providing a skilled individual service in repair, installation, remodeling, improvement or construction for residential and business needs.
For example, these would include plumbers, electricians, landscapers and arborists, carpenters and woodworkers, painters and decorators, metal workers, tilers, cleaners, interior designers and odd-jobbers.
In simple terms, Trust Hall’s Arvada artisan contractor insurance provides the protection you need against the cost of being held liable for the risks that go with your job.
Artisan Contractor Liability Insurance in Arvada
This is the main strand of your artisan contractor’s insurance. In most (but not all) cases, it’s not mandatory but, bearing in mind the potential financial implications of being uninsured, it’d be very unwise not to have it.
Furthermore, your client may require it. So might a main contractor if you’re working as a subcontractor.
Liability insurance includes coverage of defense costs, judgments and settlements and other associated expenses up to limits specified in the policy. Medical costs may also be included, regardless of who is actually at fault.
Depending on your type of business, coverage can include liability for:
- Damage you cause to your client’s property
- Personal injury to your client or others while you’re working
- Damage to someone’s reputation (defamation or libel) in an advertisement
- Negligence or errors in the performance of your job
- Pollution that you cause
- Professional advice or guidance you provide
- Defects in materials you use
- Claims arising after completed operations
Standard liability limits range between $1m and $5m, but these limits can be increased via an excess liability endorsement or a low-cost umbrella insurance policy.
Other Insurance Options for Arvada Artisan Contactors
If you have an artisan contracting business, you will almost certainly need additional insurance protection for things like your commercial vehicles, your tools and equipment, your business premises and perhaps employees (workers comp is a legal requirement).
Trust Hall can provide information and competitive quotes for all of these coverages and more.