Business insurance for artisan and service contractors
A policy that includes multiple coverages to help protect your business
Why you need Artisan and Service Contractors Insurance
While you’re focused on the job—whether you’re an electrician, landscaper, carpenter, or another skilled professional—let Harbor One work behind the scenes to protect your business. Our Artisan and Service Contractors Insurance is designed to help safeguard your small business against:
4o
Damage to on-site property – You’re digging a hole to bury plumbing; you’re not digging for gold. Yet, you strike something: a public water main. We can cover you.
On-premises injuries – Shovels don’t put themselves away. When they’re forgotten, there’s risk because a client or neighbor might trip over them. When related claims or lawsuits happen, we can help protect you.
Theft – Your tools are expensive and often hard to replace. When they disappear from a job site while you’re on a lunch break, we can help ease that financial headache.
4
What Artisan and Service Contractors Insurance covers
-
Business Personal Property – Protects your content and equipment from accidental direct physical loss.
-
Building Property – Covers your building, storage buildings, garages, fixtures, and other structures.
-
Business Liability – Insures you against costly claims and lawsuits
-
Completed Operations – Provides coverage for bodily injury and property damage claims resulting after a construction or service project is completed.
-
Mobile Equipment – Provides broad coverage for mobile equipment, tools, and equipment used in contracting operations.
-
Installation Floater – Provides broad coverage for business property you own or are responsible for while in transit, awaiting installation, or being installed at the job site.
-
Property of Others – Pays for property damage to the property of others while the property of others is in your care, custody, or control.
Consider adding additional coverages
Depending on the services you offer, the size of your team, and other variables, your Artisan and Service Contractors Insurance policy might not provide all the protection your business needs.
A local Harbor One agent can help you evaluate your risks and recommend additional coverage options to ensure your business is fully protected.
Workers' compensation
Workers’ compensation helps protect your crew against work-related injuries or illness. Requirements for workers’ comp vary by state.
Employer's non-owned and hired car
If your business occasionally uses hired, leased, or loaned vehicles—or if employees use their personal vehicles for work—it’s smart to consider Employers’ Non-Owned and Hired Auto Coverage. A local Harbor One agent can walk you through the available coverage options in your state.
Surety Bonds
Surety Bonds guarantees your work for licensing requirements and can also give potential customers added peace of mind.
We're in the business of helping your small business
Agent know-how
We are small business owners too. We understand what it takes to run a business and are ready to help you set up for success.
Customizable insurance
Harbor One offers a wide variety of coverage options that you can tailor to help fit your unique business needs. You can choose the right coverage at the right price for you.
Personalized service
We are ready to help your business grow and thrive with good neighbor service you can count on no matter what.