Why Does an Artisan Contractor Need Insurance?

Are you an artisan contractor in the Spicewood, TX area? If so, you will want to be sure that the insurance you have fits your vocation. Plumbers, carpenters, electricians, painters, masons, and similarly skilled workers would fit into this category of contractors. When you go to a customer’s premises to build, repair, or renovate for them, you should be prepared for the many perils that abound. Here is a story to show one of the ways this type of policy can make a big difference when the unexpected happens:
Charles was a piano tuner. He had over twenty years under his belt and was well known through the area as being exceptionally skilled in his vocation. Fortunately, he had made it through those many years with no major mishaps, but he found out that he wasn’t immune to bad luck. One summer afternoon, he pulled into a rural customer’s long, winding driveway. He spent nearly two hours on a baby grand before packing up to leave. As Charles backed out of the driveway, his car lurched and he heard a terrible crunch. He had accidentally veered off the driveway and onto the lawn, hitting the property owner’s hydrant. Unfortunately, the impact of Charles’ car caused quite the damage to not only the hydrant itself but some of the pipework underground. If it weren’t for the artisan contractors policy that Charles had, he would have been required to pay nearly $10,000 out of pocket to cover the damage he had caused.
Do you fit into this unique category of workmen and women? Make sure that you are properly covered for general and professional liability. Give Whiteside Insurance Agency a call, and we will help you customize a policy that perfectly fits your specific needs.