What Insurance Do You Need if You’re an Artisan Contractor? 

We understand the immense skill and dedication that artisan contractors bring to every project. Whether you’re a carpenter, electrician, plumber, or painter, your work is essential, and so is protecting your business from unexpected risks. At Pacelli Insurance, our team is dedicated to helping artisan contractors in Saint Marys, PA understand how various insurance coverages can financially protect their livelihoods. Consider the following essential coverage types:

General Liability Insurance

This foundational coverage can financially protect your business if someone claims you caused property damage or bodily injury while on the job. For example, if a client trips over your tools and is injured, general liability insurance may help cover medical expenses or legal fees.

Commercial Auto Insurance

If you use a vehicle for work (e.g., for transporting tools or traveling between job sites), personal auto insurance may be insufficient. Commercial auto insurance is designed for business vehicles and can cover costs such as vehicle repairs, medical expenses and legal fees if you’re involved in an accident while driving for work.

Commercial Property Insurance

Your tools, equipment and workspace are vital to your business. Commercial property insurance can financially protect these assets from losses resulting from fire, theft, vandalism, or specific weather events.

Workers’ Compensation Insurance

If you have employees, Pennsylvania law typically requires you to carry workers’ compensation insurance. This coverage can help pay for medical expenses and lost wages if an employee is injured at work.

Other Coverages to Consider

Additional coverages to consider include the following:

• Inland marine insurance—Can financially protect tools and equipment from loss, theft or damage while in transit or at job sites
• Professional liability insurance—May cover legal costs, settlements and judgments if a client claims you made a mistake, gave incorrect advice or failed to deliver services as promised
• Umbrella insurance—Can provide extra liability protection beyond the limits of your existing policies

How Our Team Supports Contractors in Saint Marys, PA

At Pacelli Insurance, we recognize the unique challenges that artisan contractors face in Pennsylvania. Our team works with you to assess your business, explain your options, and tailor coverage to fit your needs and budget. Contact us today for a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.