Washington Artisan Contractors Insurance

What is an Artisan Contractor?

My insurance agent called me, and re-quoted my insurance rates as a WA Artisan Contractor. I own a minor excavation company and want to make sure this is the best fit. I essentially conduct all of the admin, marketing, sales, etc. My business partner works on the technical side. Do we classify as an Artisan Contractor, or just a contractor? Is there even a difference? Contact for WA contractor Insurance pro.

Let AAG Insurance Answer -

Typically, a Washington Artisan Contractor has only one main type of specialties such as plumbing, electrical work, minor excavation, landscaping, carpentry, heating, home theater installation, air conditioning, painting, roofing, dry-walling, remediation services, asphalt/paving, etc. These business types need several types of insurance to make sure you and your business are well protected.

Although, there is no set definition of an artisan contractor there are several factors that carriers consider when creating an insurance quote:

• The amount of net income
• Type of projects
• The number of employees
• Contractor's role in projects (general vs. sub-contractor)
• Size and number of projects or work sites
• Growth of the particular operation

Is Artisan Contractor Insurance in Washington cheaper than a regular contractor?

Typically insurance rates they are cheaper than a general contractor, but it is a case-by-case basis. It depends upon if the general contractor is building homes or just doing additions/remodels. It also it depends upon the volume/payroll they have. We insure an Artisan Contractors that employ a decent crew, and are paying 5 figures for their insurance where a small general contractor doing less work and virtually no crew is only a couple thousand dollars. The biggest factor that contractors are rated off of is employee payroll, subcontracted costs, and gross sales (payroll affects pricing most). Also, the type of work they are performing determines how they are classified, which affects rates. For example, landscape maintenance has much cheaper premium than a plumber

As a skilled artisan, your business is founded on precise work. Don't let the things you can't control take it all away. With artisan contractors insurance in Washington, you'll know that you, your tools and your work are protected by a policy crafted just for you. We can also insure your business in MT, NV, ID, and OR.

You also need to respond quickly in order to win bids for new jobs. Artisan contractors insurance makes sure that you get a Certificate of Insurance for each bid and don't get caught in red tape.

In several instances, artisan contractors insurance can end up costing you much than you think. With only the parts you truly need, AAG Insurance can work with you to avoid some of the overkill offered by general contractors' insurance carriers.

Artisan contractors insurance coverages can include the following protection:

• General Liability
• Business Property
• Commercial Auto
• Worker's Comp
• Custom coverage: protection for installation, tools, storage and transit

WA Artisan contractors insurance is available to contractors such as electricians, plumbers and other tradesmen who subcontract very little of their work. It includes basic contractor insurance plus some custom protection for tools, transit and storage unique to artisans.

Here are two reasons to get started right now!

1. Before you bid your next job, get artisan contractors insurance that will protect your business and easily dovetail with the general contractor's coverage.
2. Get a no-risk quote right away. Simply fill out the free artisan insurance quote form and we'll get back to you with an affordable quote on an excellent policy. Meet our team, and talk to an artisan contractor insurance pro today!