NEW INSURANCE ALERT! If you're looking for coverage that keeps up with even your riskiest artisan contractors, we've got a general liability policy that you can quote, bind and issue in just a few minutes.

If you don't believe us, keep reading to find out more.

  • Artisan contractor extension endorsement, additional insured, waiver of transfer of rights of recovery against others to us, and automatic status when required in the contract or agreement (including completed operations)
  • Construction project general aggregate limit when required by contract and maximum per policy general aggregate limit
  • We offer general liability coverage for small to midsize artisan contractors.
  • Coverage options are available for commercial contractors, new residential construction and residential remodelers, including subcontracted work.
  • Prequalify an account, obtain a quote for qualified risks, bind and issue policies, and electronically sign any required documents, all through RPS Quote and Bind.
  • We offer 12.5% commission on every quote generated through RPS Quote and Bind.
  • Most classes have a $0 deductible.
  • No need to fill out applications — RPS Quote and Bind generates the application based on information you enter.

Artisan contractors, also called tradesmen contractors, are skilled workers in a skilled trade who use their hands in making, installing, repairing and maintaining things, with the help of tools, equipment or machinery. They include many occupations, from electricians, plumbers and HVAC specialists to landscapers, tree pruners, carpenters, painters, masons, excavators and many others. These contractors are valued for the precision of their work, and their unique skills and services are in constant demand from commercial and residential clients.

A wide array of classes are available through our quick and easy-to-use online portal, including:

  • Appliances and accessories — household and commercial
  • Carpentry
  • Carpet cleaning
  • Ceiling or wall installation — metal
  • Chimney cleaning
  • Concrete construction
  • Debris removal — construction site
  • Decorator
  • Door/window installation
  • Drilling — water
  • Driveway, parking area or sidewalk
  • Drywall installation
  • Electrical work
  • Excavation
  • Fence contractors
  • Flooring
  • General contractor
  • Grading of land
  • Guniting or shotcrete
  • Handyperson
  • House furnishing installation
  • HVAC
  • Insulation work
  • Landscaping
  • Masonry
  • Metal erection
  • Painting — interior or exterior
  • Paperhanging
  • Plastering or stucco
  • Plumbing
  • Prefabricated building erection
  • Pressure washing
  • Refrigeration systems or equipment
  • Remodeling
  • Renovating roofing — residential or commercial
  • Sandblasting
  • Septic tank installation and cleaning
  • Sewer cleaning
  • Sewer mains or connections construction
  • Sheet metal work — outside
  • Siding installation
  • Sign erection, installation or repair
  • Sign painting or lettering — interior or exterior
  • Solar energy contractors
  • Street or road construction
  • Street or road paving
  • Swimming pool — above or below ground
  • Telephone, telegraph or cable
  • Tile, stone, marble, mosaic or terrazzo work
  • Tree services — pruning or spraying
  • Upholstering
  • Water mains or connections construction
  • Water softening equipment
  • Window cleaning
  • Window decorating

Contractors need general liability insurance in case there is a mistake made that injures someone or causes property damage. A sample policy, including all definitions, can be provided upon request. Coverage includes:

  • Bodily injury
  • Damage to rented or leased premises
  • Medical payments
  • Personal and advertising injury
  • Products and completed operations
  • Property damage
Our focus is small to midsize contractors and one-to two-person operations. We write risks under $10 million in sales for new ventures and accounts that don't qualify for the standard market.
In most cases, yes, in order to present a certificate of insurance based on the contract and gain access to the job site. Even when not required, it's a prudent business practice to carry general liability insurance.
Carpenters, plumbers, electricians, landscapers and tree trimmers are all types of artisan contractors we can cover through our online quote/bind process.
Mistakes happen. Unfortunately, a contractor may be held liable for damages to those who suffer a loss as a result of the contractor's action or inaction. Whatever the case, lawsuits are costly and can easily bankrupt a business. That's why artisan contractors should be adequately insured.
Non-admitted in all states.
Submit all claims to rpsclaims@rpsins.com.
Please reach out to your RPS underwriter, who will be happy to provide any further details you may need.

Need More Information? We've Gotcha Covered.

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If you’re ready to start quoting your next Artisan Contractors account, click the button below and let’s go!

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New Here?

If you're unfamiliar with our online portal, no problem. We'll walk you through it. First, sign up at rpssmallbusiness.com to get a login. Once you're logged in, use our Quick Start Guide to see how to rate, quote and bind a policy.

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