For over 40 years Frederick Mutual has been offering Artisan Contractors insurance and our product offers comprehensive coverage at competitive rates for qualifying contractors. If you are an Artisan Contractor and need insurance, we would appreciate the opportunity to offer you more competitive coverage that will provide you Peace of Mind as you work. Below you will find more details of the type of insurance Frederick Mutual offers to Artisan Contractors.
CONTRACTORS INSURANCE
Contractors with up to $1,000,000 in payroll, 3 years in business (or prior experience in related fields), and up to 25% of annual receipts arising out of subcontracted work.
What is included in my Contractor’s COVERAGE?
Contractors' Installation Coverage
Contractors' Tools & Equipment Coverage
Non-owned Tools & Equipment Coverage - leased or rented in care, custody, or control
Employees' Tools
WHO NEEDS ARTISAN CONTRACTORS INSURANCE?
As a contractor, your work carries great risk if you don’t have adequate contractors’ insurance. From costly equipment and tools to property damage you may accidentally cause, Frederick Mutual’s comprehensive Artisan Contractors insurance will protect your Peace of Mind on each jobsite. If you are not currently insured or improperly insured you could be putting your company at great risk. Frederick Mutual offers contractor’s insurance in Maryland, Pennsylvania, Delaware, Washington, D.C, Virginia, and North Carolina. Frederick Mutual offers liability and property protection for small to mid-size, commercial and residential HVAC, carpenters, plumbers, electricians, landscapers, interior designers, painters or tilers, and many other types of artisan contractors. Frederick Mutual’s eligibility writes risks with up to $1,000,000 in payroll and up to 25% of the annual receipts attributed to subcontracted work. Three or more years in business is preferable, but new ventures with prior management experience are also considered for eligibility. Submit a quote request or call us at (240) 877-9105 to receive your artisan contractor’s quote today!
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CONTRACTORS COVERAGE FAQS & MORE INFORMATION
What is an artisan contractor?
Occupations that involve skilled work with tools at the customer's premises.
What type of insurance coverage is important to artisan contractors?
Tools & Equipment
Contractors Installation
Property In Transit
Voluntary Property Damage
What are the main differences between Primary and Noncontributory Liability and Per Location Aggregate Coverage?
Primary and Noncontributory Liability details the sequence in which multiple insurance policies respond. The primary insurance policy will pay first and then be followed by the noncontributory (can also be primary).
What is contractor’s installation coverage?
This coverage insures property that is waiting to be installed or that is currently being installed.
What is contractor’s tools and equipment coverage?
This coverage covers hand tools, power tools, or daily tools from theft, vandalism, and physical damage, except from general wear or tear.
Can Frederick Insurance cover non-owned tools and equipment?
Frederick Mutual offers coverage on non-owned tools and equipment in our Secure® Contractors Plus + Secure® Contractors Advantage packages.
What are the risks of operating as a contractor without insurance?
As one of the riskiest industries for laborers, a contractor working without property and liability insurance will run a massive risk for unpayable damages that could leave the contractor in a financially compromised position.
How much does artisan insurance cost me per month?
Insurance rates depend on the scope of your company’s size and project demands. We are one of the most competitive insurance companies in the region for Artisan contractors. Submit a quote request today to get savings on your current contractors coverage!
When it comes to contractors’ insurance, are there any requirements I need to know about? Limitations?
Frederick Mutual offers liability and property protection for the small to mid-size, commercial and residential contractors. We write insurance mainly for contractors with up to $1,000,000 in payroll, 3 years in business or related fields (if you are opening a new company), and up to 25% of annual receipts arising out of subcontracted work.
If you are a contractor in Maryland, Pennsylvania, Delaware, District of Columbia, Virginia, or North Carolina you may qualify for contractor’s coverage. Submit a quote request to find savings for your insurance and peace of mind on all of your projects.