“A General Liability Insurance policy can help keep a small business or Artisan Contractor financially stable if they have a claim against them or if they are sued by a customer following an accident,” began Lisa Cordero, COO, InsureOnline.com. “Having the right amount of coverage and protection that encompasses their specific small business needs is not only essential but required. InsureOnline.com’s team of licensed insurance agents utilize their extensive knowledge of the commercial auto insurance market to obtain the coverage the artisan contractors need at a price that makes the most business sense.”
The benefit of working with an independent agent such as InsureOnline.com is their wide access to a variety of Commercial Insurance policies from different companies, meaning the insured will have more options to choose from. They can also secure coverages tailored to meet their specific Commercial insurance needs and budget.
What is an Artisan Contractor?
An Artisan Contractor is typically anyone who can provide a specified type of skilled service or improvement within a customer’s home or business. This includes but is not limited to carpenters, electricians, plumbers, landscapers, and janitorial/cleaning services.
What is Artisan Contractor General Liability Insurance?
These trades provide services that require specialized liability needs, as each has its own potential for risk. Artisan Contractors General Liability insurance covers bodily injury, damages to the client or a third-party property, personal injury or injury made against the reputation of a third party, advertising injury and medical payments. Because General Liability Insurance provides such important coverage, most small business owners buy the policy right after they start their business.
Artisan’s General Liability Insurance only provides liability coverage and does not cover property (business/building location, supplies, work vehicles). InsureOnline.com does however offer the ability to cover tools and equipment via endorsement for an additional premium.
Personal Auto vs. Commercial Auto
Depending on the type of business, an Artisan Contractor may be required to carry commercial auto insurance. If not properly insured, an Artisan Contractor’s personal insurance may leave them exposed to additional risk while on the job. The insured can use their vehicle to get themselves to and from work or a meeting, however they may not have insurance coverage for their work exposure unless they have the right insurance coverage in place.
What is Commercial Auto Insurance?
Commercial auto insurance provides a variety of coverages for cars, trucks, vans, or any other vehicles your business may use. If you’re an Artisan Contractor who specializes in a service trade, you already know how important it is to fully insure and protect your business, which of course also includes your business vehicles. In order to help ensure an Artisan Contractor has the right insurance coverage in place, it is important they work closely with a licensed insurance agent who specializes in Commercial Auto insurance. Cordero explained, “The InsureOnline.com team is comprised of licensed insurance agents who specialize in a variety of insurance lines including Commercial Auto. They will work closely with the customer in order to fully understand their business and what their commercial insurance needs include. When preparing a quote for a commercial vehicle insurance policy, there are many factors that come into play such as the type of vehicle(s) the Artisan Contractor owns, the number of vehicles, who drives the vehicle, and the duration.”
InsureOnline.com is able to shop Commercial Auto insurance plans from many carriers such as First Chicago Insurance Company, Next Insurance, Progressive and State Auto who can help protect an Artisan Contractor whether they have one vehicle, or an entire fleet used for transporting tools and equipment to and from job sites. Commercial Auto Insurance plans can include a wide range of coverage options which include newly acquired autos, owned, or leased vehicles, light trailers, hired and non-owned and limits ups to 500 CSL or higher.
InsureOnline.com is a digital insurance agency that provides affordable insurance to consumers who want to shop and purchase insurance online while still having the option to work with an agent if they wish. The agency offers auto, home, life, health, and commercial as well as other specialty lines of insurance. Our goal is to provide an easy, fast, convenient, and safe online shopping experience for consumers looking for the best price by utilizing all the latest and greatest technology. Based in Bedford Park, IL, we are licensed to write business in 48 states and have a multilingual staff licensed and certified in a variety of insurance lines. We partner with many highly rated insurance companies to provide the best insurance solutions to help meet your individual needs and your budget. Buy insurance online or talk to a licensed insurance agent! It’s your choice.