In Florida’s booming housing market, skilled tradespeople such as plumbers, electricians, painters, masons, landscapers, and other contractors, are constantly in demand. As you build a successful and lucrative business providing these services, remember to safeguard that business from claims and lawsuits which might result from something you do (or fail to do) while on the job. Protect your small business with Florida artisan contractors insurance.
What is Florida artisan contractor insurance?
Florida artisan contractors insurance is specifically designed to meet the insurance needs of artisan contractors such as landscapers, plumbers, painters, electricians, carpenters, HVAC professionals, and those who install drywall, siding, or floor coverings. Coverage options available include:
- General liability—protects your business from claims and lawsuits if a third party is injured or property gets damaged while you’re on a job. Liability coverage may also protect you from damage done to your business by slander or false advertising.
- Property insurance—covers your business premises if it is damaged or destroyed by a covered peril.
- Coverage for tools and equipment—Florida artisan contractors need specialized tools, machinery, and equipment to do their jobs. This coverage will help you if your equipment is damaged or stolen.
- Business auto coverage—If you use your vehicle primarily for business, or if it’s owned by your business, you must have business vehicle coverage. Personal auto policies usually do not coverage business use of your vehicles.
- Workers Comp—In Florida, businesses in the construction industry with even one employee need workers comp coverage. This coverage pays for medical treatments, loss of wages, and other expenses if an employee is injured on the job.
Not only does Florida artisan contractors insurance give you peace of mind—it will also help your clients have confidence in you as well. With Florida artisan contractors insurance, you’ll easily be able to provide certificates of insurance to your clients as needed.
Businesses We Can Insure
- Electricians
- Plumbers
- Painters
- Masons
- Roofers
- Landscapers
- HVAC Companies
- Many other artisan contractors
Where to buy Florida artisan contractors insurance
Florida artisan contractors insurance is a valuable piece of your business plan and a protection against the unexpected. If you have questions about which coverages you need, a L & M Insurance Group agent will be happy to help. Let our experienced agents tailor an affordable policy that is right for you. Call us at (813) 672-4100 or click here to contact us online. L & M Insurance Group is an independent insurance agency serving the personal and business insurance needs of Tampa, Brandon, Valrico, and surrounding areas. We have many years of experience finding the best and most cost-effective policies for our clients, and we’d love the opportunity to serve you!
