Are you an artisan looking for more information on insurance coverage? First of all, let’s clarify which occupations are classified as an “artisan.” Each of the following examples fall under the broad category of artisans:
More examples of those contained in this group of skilled workers include:
This is not an exhaustive list of those who can be considered artisans—there are many more occupations within this contractors’ content area. As people who make a living by crafting, building, or otherwise working on things with their hands, artisans are often highly sought after for their handy contracting services that improve a home or business in some way. For this reason and many more, artisans need protection while performing their occupations on a daily basis, whether it’s creating handmade goods, building something from scratch, or repairing a specialty item. Situations do not always go as planned, so be prepared to expect the unexpected and be protected in any case.
No matter what area of expertise an artisan’s skill lies in, they need artisans insurance coverage to protect themselves, their clients, and the property they are working with or on. Specifically, this type of insurance covers bodily injuries to the contractor or client, damage to the client’s property or third-party property, and injury made against the reputation of a third party. Additionally, coverage for personal injury, advertising injury, harmful actions taken against a competing company, and medical payments can and should be included in your liability insurance policy.
Basically, artisans insurance strictly covers liability. Examples of what is not always covered with this type of insurance plan includes:
You may wonder why the above listed areas are not typically included in liability insurance for artisans—although the supplies, vehicle, and office space are literally “tools of the trade” in your case, they are not part of the liability equation. They are the materials or area used to perform the job. In essence, liability coverage provides protection against mistakes or damage made by the artisan as part of the craftsmanship process, which is inevitable. However, even though these items are not necessarily covered under all or even most artisans insurance policies, you should still inquire with your prospective insurance agency about it—some providers may cover them, at least partially.
Remember that you are the client and it never hurts to ask whatever questions you may have. As a small business owner or independent contractor, you are your best (and sometimes only) advocate. Be clear and firm about your needs and expectations when it comes to insurance coverage in order to secure the right policy for you and your trade or small business. When you use a reputable agency for your artisans insurance search in Pennsylvania, you’ll find that professionalism and a sense of personal care are provided from the first interaction.
At Alchemy Insurance Agency, we stand by our team’s commitment to providing top-notch customer service throughout the duration of the client-company relationship. You’ll never have to worry or be wary about any aspect of obtaining your artisans insurance coverage.
Now that you know the importance of obtaining and maintaining reputable artisans insurance coverage for yourself and your business, it’s time to start shopping around! The path to finding the right insurance coverage provider can seem like a lengthy one—but it doesn’t have to be overwhelming or difficult. Luckily, we can make that search a one-stop shop. If you are looking for handyman insurance or other artisan insurance coverage in Pennsylvania, Alchemy Insurance Agency can get you connected with the perfect provider to meet your needs. Things to know when considering using Alchemy’s trusted professionals to secure coverage:
Whatever you’re in the market for as far as insurance is concerned, reach out to a member of our customer service team today, or submit your information for a free online quote at a highly competitive rate.