If you’re a contractor, you’ve probably been required to get specialized insurance. Depending on what type of work you do, standard liability insurance doesn’t give you the right coverage. The question is, what does specialized artisan insurance cover?
Personal Liability
One of the biggest things artisan contractor insurance covers is personal liability. Because you work on other people’s property, you can’t have a blanket policy for the property you work on. Artisan insurance protects you in case someone gets injured on the worksite and attempts to sue you.
Damage To Tools
Artisan insurance also protects your tools. As a contractor, your tools are vital to your income. A good insurance policy will not only protect you but also ensure your tools are protected against damage. If someone damages your tools on a job, an artisan policy will cover their replacement costs.
Work-Related Property
Finally, artisan contractors insurance can cover work-related property such as a company vehicle. Because your job requires you to work on other people’s property, a company car may be covered in your artisan policy. In the event of theft, damage, or lawsuit, your ability to get to work won’t be damaged.
Overall, an artisan policy protects contractors more than a standard liability policy. Because you’re a specialized worker, you should have a specialized insurance policy that works with you.