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Who
requires liability insurance?
All contractors
requiring a license are required to have liability insurance.
This includes
carpenters, chimney cleaners, computer repairers, electricians, furniture
refinishers, heating/air conditioning, landscape gardeners, mechanics,
office machine repairers, painters, plasterers, plumbers, upholsters,
wallpapering, welders, window decorators and more.....
What
does the policy include?
The policy includes
commercial liability coverage and optional property coverage against
physical loss, with certain exceptions, for property on premises,
loss of income and $2,500 of business personal property.
Riders are available
to enhance coverage.
To qualify, you
must have ten or fewer employees, maximum annual gross receipts of
$3,000,000 and a maximum payroll of $500,000.
The Artisan Premium
is based on the number of employees not payroll.
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