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Artisan Contractor Programs

Artisan Contractors Program

Our Artisan Contractor Programs provides general liability coverage for specified classes of trade contractors. The program was designed to meet the needs of small to mid-sized subcontracting companies doing business within the trade and construction industry.

The program does not cover contractors who hold an active or inactive General Contractors or Builders license or contractors acting in the capacity of a General Contractor, Builder, Developer or Project Manager. See our General Contractors Program for information on coverage for those types of risks.

This program is currently limited to the State of California only.

Program Features:

  • up to 10% commission
  • Admitted, B and B+ rated carriers
  • Agency Bill (Small Contractors Program) or Direct Bill (Small-Medium Contractors Program)
  • Blanket additional insureds (CG 2010 10/93) included for no additional charge (Small Contractors Program only)
  • New ventures acceptable; however, applicant must have at least 3 years of experience in the trade
  • No prior coverage or lapse in coverage is acceptable
  • Payrolls up to $1,000,000 are acceptable
  • Gross receipts up to $3,000,000 are acceptable
  • Limits from $100,000/100,000 up to $1,000,000/2,000,000 are available
  • Minimum premium $750 - $1,250 depending upon classification

PLEASE NOTE: If your contractor risk does not fit within these guidelines, please contact us! We have several other markets to accommodate artisan contractors.

See below for eligible class codes, forms and applications, and detailed underwriting guidelines.

More Information:
Class Codes - NOTE: Other classes are available, contact your Ion broker
Class CodeDescription Small Contractors Program Small-Medium Contractors Program
91150 Appliances and Accessories - installation, servicing and repair - commercial No Yes
91155 Appliances and Accessories - installation, servicing and repair - residential YesYes
91315Cable or Subscription Television - installationYesYes
91340Carpentry - residentialYesYes
91341 Carpentry - interior No Yes
91342Carpentry - commercial Yes No
91343 Carpentry - shop only No Yes
91405Carpet, Rug, Furniture or Upholstery Cleaning - on customer premisesYesYes
91436Ceiling or Wall Installation - metalYesYes
91560Concrete Construction - buildings and dwellingsYes No
91629 Debris Removal - Construction Site Cleanup No Yes
91746 Door, Window or Assembled Millwork Installation - Metal No Yes
92215Driveway, Parking Area or Sidewalk - pouring, placing or finishingYesYes
92338Drywall or Wallboard Installation - no insulation workYesYes
92451Electrical Apparatus Work - no power line constructionYes No
92478Electrical Work within Buildings - no power line constructionYesYes
94276Fence Erection ContractorsYesYes
94569Floor Covering Installation - no dealersYesYes
95124 Furniture and Fixtures Installation No Yes
13590Glass Dealer/Glazier - bending, grinding, beveling or silvering of plate glassYes No
95647Heating and Air Conditioning Systems - no refrigeration or LPG equipment sales or workYesYes
96053House Furnishing Installation - residential onlyYesYes
96408 Insulation Installation - Plastic No Yes
96611 Interior Decoration - Installation No Yes
96816Janitorial Yes No
97047Landscape Maintenance and GardeningYesYes
98111Office Machines or Appliances - installation, service or repair No Yes
97447Masonry - residential onlyYesYes
98304Painting - buildings and appurtenant structures onlyYesYes
98305Painting - interior No Yes
98344Paperhanging - including surface preparation, covering walls and ceilingsYesYes
98449Plastering or Stucco WorkYesYes
98482 Plumbing - Commercial No Yes
98483Plumbing - residential and incidental commercialYesYes
98636Refrigeration Equipment - installation, service and repairYesYes
98884 Sheet metal No Yes
98967Siding and Gutter Installation - no wood sidingYesYes
98993 Sign Erection - installation and repair YesYes
99003 Sign Painting and Lettering - interior No Yes
99004 Sign Painting and Lettering - exterior YesYes
99505Swimming Pool Maintenance - no installationYes No
99507 Swimming Pools - installation No Yes
99650Satellite Dish Installation, Service or RepairYesYes
91551Telephone Equipment InstallationYesYes
99746Tile, Stone, Marble, Mosaic or Terrazzo Work - installation and repairYesYes
99827Upholstery - shop only No Yes
Forms, Applications and Guidelines below require the free Adobe Acrobat Reader. If you do not have the Acrobat Reader installed on your computer, go to the Adobe Acrobat Reader website to download.
Forms and Applications
Artisan Contractor Application (Small Contractors)
Artisan Contractor Application (Small to Medium Contractors)
Check-By-Fax Authorization
Underwriting Guidelines
Underwriting Manual (Small Contractors)
Eligible-Ineligible Risks (Small Contractors)