Contractor Insurance

As a contractor you’ve spent time and money building your skills. Whether you’re a project manager for a construction company or a plumber that is an independent contractor you’ve worked hard to get where you are. However, being a contractor means that you are vulnerable to a variety of unique risks. Contractor’s insurance protects you from mishaps that could happen every day. 

There are many different risks that you face depending on the specific work that you do. An employee straining their back or a client injured by a loose nail could lead to thousands in medical and legal fees. An unhappy client could lead to slander or legal action that threatens your livelihood. 

Differences Between Contractor and Artisan Contractor 

A contractor typically oversees large projects, such as commercial building construction. Contractors often oversee more than one project and employ subcontractors to complete parts of the project. 

An artisan contractor is someone that completes skilled work at properties. They may work independently or be employed as a subcontractor. 

Types of artisan contractors include: 

  • Plumbers 
  • Electricians 
  • Roofers 
  • Carpenters 
  • Interior decorators 
  • Landscapers 
  • Masons 
  • Tree surgeon 

Contractors and artisan contractors face different risks. A contractor may need commercial building insurance whereas an artisan contractor may not. A standardized contractor insurance policy could leave gaps in your coverage or result in you paying for more coverage than you require. Whether you’re a contractor or an artisan contractor we can find the coverage that’s right for your unique needs. 

Here at meridian insurance we work for you, not the insurance companies. We research policies across multiple insurance underwriters so you can rest assured you’re getting the best policy at the most affordable price. 

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call Meridian Insurance today at 503.462.7966!