Wayne Insurance Group's Artisan Contractor Program provides property and liability coverage for small to medium-sized trade contractors with 10 employees or less.
Solid Coverage for Your Trade Contractor Business
The Artisan Contractor Program is designed to provide coverage for a host of trades, including these common categories:
- Appliances and Accessories - Installation and Servicing
- Carpentry
- Carpet or Rug Cleaners
- Cleaning Services - Residential or Office
- Concrete Construction
- Driveway, Parking Area, Yard or Sidewalk - Paving or Repairing
- Electric Work - Within Buildings - Residential or Light Commercial
- Excavation - Earth
- Floor Covering (no ceramic tile) - Installation, Service and Repair
Garage or Overhead Door Installers- Handyman - Minor Repairs in a Household
- Heating and Air Conditioning - Systems and Equipment
- Landscape Gardening
- Masons
- Painting - Interior
- Power Washing
- Plumbing - Residential or Office
- Roofers - Residential Shingle
- Siding Installers
- Wallpapering
Property
From tools and machinery to your buildings and business personal property, Wayne Insurance Group's Artisan Contractor program can be tailored to meet the specific coverage needs of your business. Available coverage options include:
- Buildings, business personal property and loss of income
- Contractors tools and equipment
- Installation floaters
- Computers
- Employee dishonesty, money & securities, valuable papers & records, and accounts receivable
- Glass and outdoor signs
- Earthquake
- Backup of sewers & drains
- Ordinance or law
See your Wayne Insurance Group agent for details on the complete list of available coverages.
Liability
Liability coverage protects your business in cases of bodily injuries and property damage to others. Coverage options can include:
- Premises and operations
- Medical payments
- Products and completed work
- Fire legal liability if you cause a fire that damages rented space
- Personal/advertising injury for acts such as libel, slander, invasion of privacy or copyright infringement
- Additional insureds
- Damage to the property of others in your possession
- Explosion, collapse and underground (XCU) coverage
- Non-owned/hired auto coverage
- Employers liability/stop gap coverage to cover gaps between the Workers Compensation policy and the commercial liability policy that can leave you uncovered
Discounts
Available discounts include:
- Multi-policy (when combined with a Wayne Mutual Commercial Auto policy)
- Automatic sprinkler systems
- Loyalty
Consult your Wayne Insurance Group agent to find out how our Artisan Contractor program can be structured to suit your individual needs. We also offer a Commercial Auto program to protect your company vehicles.
The coverages described above are presented in general terms and are subject to the actual policy exclusions and conditions. For specific coverage details and policy exclusions, refer to the policy itself or contact your Wayne Insurance Group agent. If there is a conflict between this website and the policy, the policy provisions shall prevail.