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General Liability

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.