Building & Structural Trades
Contractors, roofing, masonry, windows, and floor and tile. Carriers are matched to your classification codes so height limits, subcontracting, and new-construction exposure are underwritten correctly the first time.
General Liability Insurance · Artisan Trades
Insured. Certified. On the Job.
No-hassle General Liability Insurance for over 100 artisan trades across the United States, from a broker licensed in 20 states. One 2-minute call to quote, same-day Certificates of Insurance to keep you working. Dean Clark has placed this coverage for 28 years, matching each trade to carriers that want that classification, so the quote comes back on the call and the certificate reaches your general contractor the same day.
Artisan Contractor Insurance
Coverage That Matches Your Trade.
General liability insurance protects artisan contractors against third-party injury and property damage claims arising from their work, including legal defense costs. Dean Clark writes General Liability for over 100 trades — from plumbers and HVAC technicians to roofers and tree trimmers — matching each classification to carriers that want that risk, quoted in about 2 minutes by phone. The standard placement carries $1,000,000 per occurrence and $2,000,000 aggregate.
Mechanical & Systems Trades
Plumbers, HVAC, welders, and appliance repair and installation. Policies respond to the completed-operations claims these trades actually see — the leak, the short, the failed fitting discovered months later.
Finish & Service Trades
Painters, handymen, and cleaning services. Straightforward classifications quoted fast, with certificates ready the same day for property managers and commercial accounts that require proof before entry.
Outdoor & High-Exposure Trades
Landscaping and tree trimmers. Higher-hazard work needs carriers that understand it — the practice places these risks routinely instead of declining them, with 28 years of market knowledge behind each placement.
Same-Day Certificate of Insurance
No Certificate, No Job. So the Certificate Comes First.
COIs and additional-insured endorsements are issued the same day, usually within the hour, before the general contractor gives your slot away. Three things get it done: the certificate holder’s exact legal name and address, any additional-insured wording the contract requires, and where to send it. With those in hand, a signed contract is not waiting on paperwork.
General Liability vs Other Coverage
What Each Policy Actually Does.
General liability insurance covers claims from third parties — clients, site visitors, neighboring property. It does not cover your employees, your vehicles, or your tools. The table below shows where general liability stops and where workers compensation, commercial auto, and inland marine coverage take over, so nothing falls in the gaps between policies.
| Policy | What It Covers | Who Requires It | Typical Turnaround |
|---|---|---|---|
| General Liability | Third-party bodily injury, property damage, and legal defense arising from your work or completed operations. | General contractors, property managers, cities, and some state licensing boards for LLC licensees. | Quoted in about 2 minutes; certificates same day. |
| Workers Compensation | Medical costs and lost wages when your employees are injured on the job. | State law in nearly every state, whenever you have employees. | Quoted with payroll figures; often bound within 1 business day. |
| Commercial Auto | Liability and physical damage for work trucks, vans, and trailers used in the business. | Lenders, the DMV, and any contract involving vehicle use. | Quoted with driver and vehicle details; typically 1 business day. |
| Tools & Equipment (Inland Marine) | Your own tools and equipment, on site, in transit, or stolen from the truck. | Optional — but the most common uncovered loss for artisan trades. | Usually added alongside the general liability quote. |
General Liability Questions
Know Exactly What You’re Buying.
These six questions cover what general liability insurance does for an artisan contractor, how fast quotes and certificates arrive, which trades qualify, what the law requires, and how prior claims affect placement. Every answer is specific enough to act on before you pick up the phone.
General liability insurance covers third-party bodily injury, property damage, and the resulting legal defense costs arising from your work. If a client trips over your equipment or a pipe you installed floods a kitchen, the policy responds. It does not cover your own tools, your vehicle, or injuries to your employees — those need separate policies.
Related Commercial Coverage
You Might Also Need
Most clients start with one policy and add the rest as contracts require it. The coverages below are placed by the same broker, on the same file, so effective dates line up and no gap opens between policies. One call of about 2 minutes handles a certificate, a renewal, or a change across all of them.
Get Your Quote
Two Minutes to Quoted.
Call with your trade and business basics, or request a consultation. Dean returns calls the same business day, usually within the hour. A General Liability quote takes about 2 minutes by phone, coverage binds the same day you approve, and the Certificate of Insurance goes to your general contractor the same day.