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