Artisan contractors are involved in many aspects of construction and contractor work – and include various trades and skills. From the neighborhood plumbing or electrical firm to the local landscaper and drywall and roofing experts, each contractor comes with specific on-the-job exposures that require a solid Workers Compensation program. Our program is designed primarily to help insurance brokers meet the Workers Compensation needs of small to mid-size Artisan Contractors and General Contractors (GCs).

We partner with an A.M. Best “A XI” rated (Excellent) insurance carrier and provide claims servicing from York Risk Services Group, experienced claims and risk management specialists whose focus is in driving down the severity, duration and total cost of claims for clients.

Who We Protect

Our Sweet Spot: Artisan Contractors & GCs ($3,000 -$50,000 in annual premium)

We’ll Also Take A Look At: Building Operations & Janitorial (by the way, we also offer Property, Inland Marine, General Liability and Auto for this class of business)

On the Books: Retail/Wholesale (we have a handful of these accounts)

Program Features

  • Mono-line Workers Compensation
  • 100% In-house Underwriting Authority
  • Underwriter has Authority to Choose Insurance Company Paper based on Risk & Exposure
  • Quick Turnaround on Quoting/Binder/Policy Issuance
  • Monthly Reporting Available for Accounts > $25k in Annual Premium
  • Blanket Waivers Available
  • Can Write New Ventures (subject to experience)
  • NO Broker Fees

What We Don’t Write

We know how valuable your time is, so we’ve provided a list of the risks not included in our program:

  • Height Exposures over 2 Stories
  • Below Grade Exposures Below 4 Feet
  • Sub Costs over 25% – NOTE FOR GCs
  • Building Demolition, Wrecking, Shoring and Underpinning
  • Window Washing Above Ground Level
  • Asbestos and Mold Remediation
  • Group Transportation (3 or more employees)
  • Tree-trimming

Coverages Offered

Workers Compensation

Commercial Inland Marine

General Liability

Bodily Injury And Property Damage

Business Personal Property

Business Personal Property Coverage

Business Personal Property Off Premise Coverage

Commercial Property

Damage To Third Party Property

Liability For Guests’ Property

Outdoor Property Destruction

Personal Property In Transit

Property Coverage For Personal Property In Rooms Furnished By Operator

Property Damage

Property In Transit

Property Off Premise

Temporary Relocation Of Property

Commercial Auto

Hired & Non-Owned Auto Insurance Coverage

Hired Auto Physical Damage


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