Artisan Contractor Insurance California - What It Covers
Quick Answer
"Artisan Contractor Insurance" is the industry term for insurance programs designed for specialty trades — California C-class license holders like painters, plumbers, electricians, HVAC, drywall, flooring, and landscape contractors. It's typically a packaged bundle of GL + WC + Tools & Equipment + Commercial Auto, priced for small-to-mid trade contractors. Annual total cost ranges $3,000–$15,000 depending on trade and crew size. Call (858) 925-9555.
Who "Artisan" Includes
Carriers define artisan contractors as those who:
- Hold a C-class CSLB license (specialty trade, not Class A or B)
- Have under ~$5M annual revenue
- Operate primarily as subcontractors (not GCs running full projects)
- Don't do work on structures over 3 stories (varies by carrier)
- Don't perform exterior insulation finishing systems (EIFS) or certain excluded operations
What's in an Artisan Package
| Coverage | Typical limit |
|---|---|
| General Liability | $1M / $2M (or $2M / $4M) |
| Tools & Equipment | $10K – $25K schedule |
| Hired & Non-Owned Auto | $500K – $1M |
| Optional Workers' Comp | Rated on payroll |
| Optional Umbrella | $1M – $5M |
Bundled often saves 10–20% vs. buying each piece separately.
Trades Commonly Written as Artisan
C-10 Electrical · C-15 Flooring · C-20 HVAC · C-27 Landscaping · C-33 Painting · C-35 Lath/Plaster · C-36 Plumbing · C-39 Roofing (specialty markets only) · C-46 Solar · C-53 Pool/Spa · C-54 Tile · D-04 Cabinet & Mill · and many others.
Specialty trade contractor? Call (858) 925-9555 — we shop artisan programs first.
Related: Artisan Contractor Insurance · Workers' Compensation · General Liability
Get an artisan quote that bundles everything. Call (858) 925-9555.
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