Artisan Contractors General Liability

Offered by Empire Underwriters

General Liability Artisan Contractors Homebuilders Construction Contractors General Liability



Insurance and risk management services for small- to medium-size artisan and specialty trade contractors engaged in residential and/or commercial construction. The program is open to contractors that are involved in new construction, remodeling and tenant improvements, including new residential home building.

Market Focus:

Artisan Contractors General Liability program focused on small to medium artisan contractors with less than $1,000,000 annual payroll.

Eligible Risks:

  • New construction on residential & commercial projects, including new single family homes.
  • Repair or remodeling of residential & commercial projects.
  • 75% or more of the exposure in approved class codes.
Ineligible Risks:

  • New construction of condominiums, condominiums conversions & townhouses (some exceptions).
  • Any structures/work greater than 3 stories (some exceptions).
  • Risks with exposure to process piping, blasting, landfills, tunneling, “emergency systems,” public utilities, and other similar extra hazardous exposures.
Coverages Available:

  • Blanket Additional Insured
  • Waiver of Subrogation
  • Primary and Non-Contributory
  • Per Project Aggregate
  • Subsidence (with limitations)
  • Prior Projects (with limitations)
Submission Requirements:

  • ACORD Applications
  • Currently valued loss runs - 3 to 5 years
  • Supplemental Application
  • Pollution - Project Specific Application
Sampling of Classes: (Not a Complete List)

  • General Contractor (New Residential)
  • General Contractor (New Commercial)
  • Remodel Contractor (Residential)
  • Remodel Contractor (Commercial)
  • Air Conditioning System Installation
  • Appliance and Accessories Installation
  • Carpentry (Framing)
  • Carpentry (Interior/Woodwork/Shop)
  • Carpet Cleaning
  • Cleaning (Outside Building)
  • Concrete (Flat)
  • Debris Removal
  • Door & Window Installation
  • Drilling
  • Drywall
  • Electrical
  • Equipment Rental (with operator)
  • Excavation
  • Fencing
  • Floor Covering Installation
  • Garage Door Installation
  • Glass Installation/Glazing
  • Grading
  • Gunnite Pool Plaster
  • Handyman/NOC Labor
  • HVAC
  • Insulation
  • Janitorial
  • Landscape
  • Masonry
  • Metal Erection (Decorative)
  • Metal Erection (Structural)
  • Painting (Interior)
  • Painting (Exterior)
  • Plastering/Stucco
  • Plumbing (Residential)
  • Plumbing (Commercial)
  • Roofing (New Residential)
  • Roofing (New Commercial)
  • Roofing (Residential Repair)
  • Roofing (Commercial Repair)
  • Sandblasting
  • Septic Tank (Service, Repair, Installation)
  • Sewer Mains
  • Sheet Metal
  • Siding and Decking
  • Street/Road Paving (Commercial)
  • Swimming Pool Cleaning
  • Swimming Pool Installation
  • Tile and Marble Installation
  • Tree Trimmer
  • Welding
Do you need a Artisan Contractors General Liability Quote?

Send an email to with your coverage needs or call 813-448-9300 to speak to an underwriter immediately.


$1500 Minimum Limit

Carrier Information

As high As A-XV Rated Carriers



Listing Contact

Jay Jaggers Property & Casualty Underwriter

Offered By

Empire Underwriters

19 listings in 50 states + DC

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Availability 26 states

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming


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