Blog

Why Artisan Contractors Need Workers’ Compensation and General Liability Insurance

Artisan contractors face daily job site risks. Whether you’re a roofer, electrician, plumber, or painter, protection is essential. That’s where Workers’ Compensation and General Liability Insurance come in.

What is Workers’ Compensation Insurance?

Workers’ Compensation covers job-related injuries or illnesses. Most states require this insurance if you have employees.

It pays for medical bills and lost wages. It also protects you from costly lawsuits filed by injured workers.

For example, if an employee falls off a ladder, Workers’ Compensation pays for hospital bills. It also covers wage replacement while they recover.

Each state has its own rules. You can check your state’s requirements at U.S. Department of Labor.

What is General Liability Insurance?

General Liability Insurance covers third-party injuries and property damage. It’s not required by law but highly recommended.

This insurance protects your business if your work causes harm. For instance, it covers damage to a client’s home or injuries to a bystander.

It also includes legal defense costs if someone sues you. Many clients and general contractors require proof before hiring you.

According to the Insurance Information Institute, this coverage is one of the most important for small businesses.

Why Both Policies Matter

These two policies protect your business from major financial losses. Without them, one accident could ruin your company.

Workers’ Compensation helps care for your team. General Liability protects your reputation and finances.

Additionally, many contracts demand that artisan contractors carry both policies.

Final Thoughts

In high-risk trades, accidents can happen at any time. Insurance helps you manage those risks and stay in business.

Stay compliant, protect your team, and earn client trust with the right coverage allowing you to offer high quality and reliable services

Saberlines Insurance offers comprehensive Workers’ Compensation and General Liability policies for artisan contractors.