Abram Interstate Insurance Services, Inc., CMGA

Helping Independent Insurance Agents Since 1996

The What’s and Why’s of Artisan SubContractor Insurance

Published on December 29, 2015

Abram Interstate wholesale artisan contractors insurance CA

What is an Artisan SubContractor?

“Artisans are contractors in roofing, air conditioning, electrical, plumbing, framing, fire sprinkler and other specialties who primarily work under contract for general contractors on residential and commercial construction projects.” (From The Insurance Journal, 2006)

In other words, Artisan Subcontractors are by nature not general contractors, but rather skilled workpeople in one specific trade — whether that trade is painting or cabinet installation or something else.

What Is Artisan SubContractor Insurance

Artisan Subcontractor Insurance is usually a General Liability Insurance created to cover an Artisan when they are found legally liable for bodily injury or property damage caused but their Artisan’s business operations. It’s a broad policy that therefore contains some exclusions but it is specifically formulated for the niche industry of skilled Artisan Subcontractors, that otherwise can have a hard time finding the insurance coverage they need.

Also look at our package options below for Artisan Contractors!

Why Artisan SubContractors Need this Insurance:

The main reason is because accidents happen, whether they’re someone’s fault or the faults of unforeseen circumstances. When something happens during an Artisan’s job, sometimes those mistakes can be very costly. Costly enough to put that Artisan out of business if they are not covered.

If your Artisan subcontractor customers are working in people’s homes, or on a business’s property, there is inherent risk involved. This liability coverage secured with our Artisan Subcontractors insurance covers them.

The second key reason artisan’s need this insurance is because most often, they will be working under a general contractor which will require their proof of insurance. So not only is it wise, it’ll be necessary for their business to have the proper coverage in place.

Wholesale Artisan SubContractor Insurance

  • For Painters, Carpet Installation, Cabinet Installation, Tile Laying, Plumbers and more!
  • Primary & non-contributory wording
  • Waiver of Subrogation
  • Additional Insured (Per contract or agreement)
  • Monoline GL or package options available
    • Other coverages available include Inland Marine, Auto, and Property coverage

Send in your submission HERE NOW.


Abram Interstate Insurance Services, Inc. is a California wholesale insurance broker (CMGA) that has licensing and expertise to place business in both admitted and non-admitted markets for Personal Lines Insurance, Commercial Lines Insurance, and Agribusiness Insurance in California and surrounding areas.

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