Why Should Artisan Contractors Choose NCI?

When looking for artisan contractors insurance, skilled workers will find more than one contractors insurance company offering policies. However, none provide the comprehensive coverage offered by NCI.

NCI puts skilled workers and their businesses first, ensuring they can focus on the job at hand, knowing they are fully covered no matter what a job site throws their way.

NCI has you covered whether you need a job-specific policy or cover for your team.

Who Can Apply For Artisan Insurance In NY?

An artisan contractors insurance company will offer policies to skilled contractors that rarely sub-contract their work . As a result, tradespeople like plumbers, masons, electricians, landscapers, carpenters, painters, HVAC installation specialists, excavation professionals, flooring installation technicians, road construction specialists, and tree removal services qualify for artisan contractors insurance.

Do Artisan Contractors Who Are Paid by General Contractors Need Contractors Policies?

Artisan contractors who work for general contractors should at least consider purchasing their own personal contractors policy. While this isn’t necessary in every situation, some artisan contractors may want to get their own policy so that they can select the coverages and limits that are in place. General contractors’ policies may not provide all the protections that artisan contractors want.

Artisan contractors who want help reviewing their situation and determining whether purchasing an individual policy makes sense should talk with an insurance agent who specializes in contractors liability insurance. After reviewing a general contractor’s policy, a knowledgeable agent will be able to make an informed recommendation regarding policy selection.

Contractor Ins. Coverages

New Jersey has certain minimum coverage requirements in order to operate. You may also have city specific rules as well. It’s imperative to know what is covered and what is excluded in your policy. The last thing you want is to discover a gap in coverage after a loss. You want to make sure you livelihood is covered from all risks. Common coverages for a Contractor are:

• Builders Risk
• Commercial Auto Liability
• Contractor’s equipment coverage
• BOP (Business owner’s policy)
• General Liability
• Workers Compensation
• Umbrella Insurance for Contractors