Complete Insurance Coverage for New Jersey Service Contractors
Artisan and Service Contractor Policy
Protect your contracting business with specialized artisan and service contractor insurance. General liability, tools coverage, commercial auto, and more. Call (201) 812-2184 for your custom quote.
Insurance Designed for Artisan and Service Contractors
Whether you're a plumber, electrician, HVAC contractor, or any skilled tradesperson, your business faces unique risks that require specialized insurance coverage. An artisan and service contractor policy provides comprehensive protection tailored to your specific trade.
Established 2019, Midland Associates has been helping New Jersey contractors protect their businesses with the right coverage at competitive rates. We understand the challenges you face - from protecting expensive tools and equipment to meeting general contractor insurance requirements.
Our artisan contractor policies combine essential coverages into one convenient package, saving you money while ensuring you're fully protected. From general liability to tools coverage, workers compensation to commercial auto, we'll build a policy that matches your specific needs and budget.
Comprehensive Coverage for Service Contractors
Our artisan and service contractor policies include all the protection your business needs:
General Liability Insurance
Protects against third-party bodily injury, property damage, and completed operations claims. Covers up to $2 million per occurrence.
Tools and Equipment Coverage
Covers your valuable tools and equipment whether at your shop, job site, or in transit. Protection against theft, damage, and mysterious disappearance.
Commercial Auto Insurance
Covers your work vehicles, including cargo, tools, and equipment stored inside. Includes liability, collision, and comprehensive coverage.
Property Insurance
Protects your shop, office, or storage facility including inventory, supplies, and business personal property.
Workers Compensation
Required coverage for employees in New Jersey. Covers medical expenses and lost wages for work-related injuries.
Professional Liability
Errors and omissions coverage for faulty workmanship claims, design errors, and professional advice.
Installation Floater
Covers materials and supplies from purchase through installation, including materials in transit or stored at job sites.
Completed Operations
Protection for claims arising from your completed work, even years after the job is finished.
Why Choose Midland Associates for Your Contractor Insurance
We specialize in helping New Jersey contractors find the right coverage at the best price
Designed for Service Contractors
Specialized coverage tailored for plumbers, electricians, HVAC technicians, carpenters, painters, and all artisan trades.
Competitive Rates
Bundle multiple coverages for significant savings. Pay-as-you-go workers comp options available.
Flexible Policy Options
Choose only the coverage you need. Add or remove coverage as your business grows.
Certificate Management
Quick certificate issuance for jobs and clients. Online access to all your insurance documents.
Mobile Coverage
Protection follows you to every job site. Coverage for tools and equipment wherever you work.
Local Expertise
Established 2019, we understand New Jersey contractor requirements and municipal regulations.
Coverage for All Artisan Trades
Specialized insurance solutions for every type of service contractor in New Jersey
Electrical & Plumbing
- → Electricians Insurance
- → Plumbers Insurance
- → Fire Alarm Installers
- → Security System Installers
HVAC & Mechanical
- → HVAC Contractors Insurance
- → Refrigeration Technicians
- → Boiler Installers
- → Sheet Metal Workers
Why New Jersey Contractors Choose Midland Associates
Local Knowledge
We understand New Jersey licensing requirements, municipal regulations, and local market conditions.
Multiple Carriers
Access to 15+ insurance carriers means better coverage options and competitive rates.
Quick Certificates
Same-day certificate issuance for jobs, municipalities, and general contractors.
Claims Support
Local claims advocacy when you need it most. We fight for fair and fast claim resolution.
Get Your Artisan Contractor Insurance Quote Today
Join hundreds of New Jersey contractors who trust Midland Associates for their business insurance needs
Artisan and Service Contractor Insurance FAQs
What is an artisan and service contractor policy?
An artisan and service contractor policy is specialized business insurance designed for skilled tradespeople and service professionals. It combines general liability, property, and other essential coverages that protect contractors who provide services like plumbing, electrical work, HVAC installation, painting, carpentry, and other skilled trades.
Who needs artisan contractor insurance?
This insurance is essential for: plumbers, electricians, HVAC contractors, carpenters, painters, handymen, locksmiths, appliance repair technicians, flooring installers, drywall contractors, roofers, landscapers, and any service professional who works on customer property or provides skilled trade services.
What does artisan contractor insurance typically cost?
Costs vary based on your trade, annual revenue, number of employees, and coverage limits. Most small contractors pay between $75-$300/month for basic coverage. Electricians and plumbers may pay more due to higher risk. We can provide exact quotes from multiple carriers to find your best rate.
Is this different from a standard BOP (Business Owners Policy)?
Yes. While a BOP works well for many businesses, artisan contractor policies are specifically designed for the unique risks of service contractors. They include specialized coverage like installation floaters, tools coverage, and completed operations that standard BOPs may not adequately cover.
Can I get coverage if I work alone with no employees?
Absolutely! We offer policies for sole proprietors and single-person operations. You can get general liability, tools coverage, and commercial auto without workers compensation if you have no employees.
What about subcontractors - am I covered for their work?
Your policy can include coverage for subcontractors, but they should carry their own insurance. We can help you understand additional insured requirements and ensure your subs have proper coverage to protect your business.
How quickly can I get a certificate of insurance?
Most certificates can be issued same-day or within 24 hours. Once your policy is active, you can request certificates anytime for specific jobs or clients. Call (201) 812-2184 for immediate certificate needs.
Does this cover my tools if they are stolen from my truck?
Yes, with proper tools and equipment coverage. This protects your tools whether they are in your vehicle, at a job site, or in storage. Coverage typically includes theft, damage, and mysterious disappearance.