Frequently Asked Questions
What is contractor (artisan) liability insurance?
It’s protection for trades like plumbing, electrical, landscaping, painting, and handyman work. If your work causes an injury or damages someone else’s property, it helps cover the bill (and the lawyer).
Why do I need it?
- Simple: it’s the line between a bad day and a bankrupt one.
GCs, landlords, and cities often require a COI before you start. Even careful pros have callbacks and surprises. Liability keeps one bad day from wrecking your business.
What does Contractor Liability Insurance cover?
- Medical expenses for third-party injuries tied to your work
- Legal defense & settlements if you’re sued
- Damage to others’ property—on the job or after completion (completed ops)
What can I expect to pay annually?
Prices vary by trade and risk—tell me about your work and I’ll hoot back the best rate in minutes. We keep rates sharp for real job-site work. Your price depends on a few things, mainly your trade, location, annual revenue/payroll, coverage limits (e.g., $1M/$2M), and claims history. Subbing out higher-risk tasks or needing special endorsements can also move the needle. Get a quick quote and choose monthly or annual (when available).
*No hard credit pull. COI available after bind.
Can you list my GC/landlord as Additional Insured?
Absolutely. We issue AI endorsements (often blanket) and send an updated COI in minutes. Share the contract wording and job address.
Do you cover tools and equipment?
Yes – Inland Marine covers gear on the truck, in transit, or on site. You pick limits and can schedule high-value items.
What limits should I choose?
Most contracts ask for $1M / $2M (occurrence/aggregate). If they want more, we can go $2M / $4M or add an Umbrella.
Can I pay monthly?
In many cases, yes, monthly or annual depending on carrier and premium size.
Get a free instant quote today.
Payment options are available.
Protect the Work. Protect the Wallet.
Contractor insurance that speaks job-site: general liability, tools, workers’ comp, and more—in minutes. Hoot, click, done.