Artisan Contractors

preferred Classifications

Liability and property protection for the small to mid-size, commercial and residential contractor. 

Target Market: Contractors with up to $1,000,000 in payroll, 3 years in business (or prior experience in related field), and up to 25% of annual receipts arising out of subcontracted work. 

Secure AdvantageSM Enhancement Endorsement Highlights:

  • Primary and  Non-Contributory  Liability
  • Per Location Aggregate Coverage 

Included Coverage Highlights:

  • Contractors'  Installation  Coverage - $3,000 at  job  site /$5,000 in transit /$5,000 temporary storage
  • Contractors' Tools & Equipment Coverage (Blanket Limit) - $3,000 / $500  any one item or $2,000 sub limit (limits in excess of $100,000 available)
  • Non-owned Tools & Equipment Coverage - leased or rented in care, custody, or control
  • Employees' Tools - $100 per tool / not in excess of $500 for all tools of any one employee

(Contractors' Enhancement Endorsement is under construction with more details coming soon!)

**As  an  added  benefit, FMIC  offers  Contractors  E&O  Coverage  underwritten  by  The  Hartford Steam Boiler Inspection and Insurance Company! Ask your Underwriter about adding this coverage for your Contractor policyholders!