It is always important to be aware of what your policies contains and does not contain, and this is particularly true when it comes to Labor Law or Third-Party Action-Over coverage. Third-Party Action-Over claims are one of the fastest-growing types of claims in contractor’s general liability insurance. It is essential that your general liability insurance guards you against instances where an injured employee who has collected workers compensation benefits from an employer sues a third party or other “responsible parties,” which is often the Artisan Contractor who hired the employer for the job. A policy for Artisan Contractors should not contain an Action Over Exclusion, which would leave you vulnerable to additional claims.

Before you bid on your next job, it’s imperative that you have insurance that protects your business and a policy that will easily dovetail with General Contractors insurance coverage. To stay ahead of the curve and win as many job bids as possible, you need to obtain a Certificate of Insurance for each. Don’t let red tape keep you from landing that contract.

With an Artisan Contractors insurance policy—one that Colstan & Associates will expertly craft to your specific needs— you can rest assured that you, your equipment and your hard work are protected.

Fill out the form on this page to receive a free, no-obligation quote. A representative from Colstan & Associates, Inc., will contact you to explain the coverage offered and show you how this kind of affordable, flexible policy will work best for your business.