As an artisan contractor—whether you’re a plumber, electrician, carpenter, painter, or mason—your hands-on skills are the heart of your business. But with every project comes potential risks: property damage, accidental injuries, or even dissatisfied customers who may hold you responsible for financial losses.

That’s where liability insurance becomes one of the most important tools in your professional toolbox. It protects you and your business from unexpected claims that could otherwise lead to you losing your business. What does liability insurance look like for artisan contractors?

Liability insurance, often called general liability insurance, covers the costs associated with claims of third-party bodily injury, property damage, or personal injury (like libel or slander). It helps pay for legal defense, settlements, and court judgments—so a single incident doesn’t derail your business.

Most artisan contractors operate as small businesses or independent professionals, which means they may be personally exposed to lawsuits. Liability insurance acts as a financial safety net that keeps you protected and credible in the eyes of clients and project owners

Why is having a general liability policy important?

1. Accidents Happen—Even to the Best Contractors
   No matter how skilled or careful you are, mistakes or unforeseen events can occur on a job site. Liability insurance ensures you’re not paying out of pocket when things go wrong.
2. It Builds Client Trust
   Many homeowners, builders, and commercial clients require proof of insurance before hiring a contractor. Being insured signals professionalism and reliability.
3. It Keeps Your Business Running
   A single lawsuit can be expensive. Legal fees, settlements, and damages can easily reach tens of thousands of dollars—or more. Insurance allows you to continue operating without major financial disruption.
4. It May Be Required by Law or Contract
   Some states, municipalities, or licensing boards require contractors to carry liability insurance to operate legally.

I know everybody is reading this and saying it won’t happen to me but here are some examples of claims that our agency has been involved with, names have been withheld!

Property Damage

A flooring contractor accidentally spills adhesive across a client’s new hardwood floor in the foyer while they were putting in tile in the kitchen, causing thousands of dollars in damage.
Without insurance: The contractor may be forced to pay for replacement and labor costs out of pocket.
With insurance: The general liability policy covers the cost of repairs and replacements.

Bodily Injury

A customer trips over an extension cord on a remodeling job site and breaks their wrist.
Without insurance: The contractor faces medical bills, legal fees, along with potential losses for pain and suffering.
With insurance: The policy helps cover medical expenses and legal defense if the customer sues.

Completed Operations

An electrician finishes wiring a new addition, but a faulty connection later causes a small fire, damaging part of the property.
Without insurance: The contractor is responsible for property repairs and could face a lawsuit.
With insurance: The policy can help cover property damage and related legal costs.

Advertising or Reputation Claim

A painter posts photos of a completed project online, but the homeowner claims their privacy was violated.
Without insurance: The contractor may have to pay legal expenses for defense.
With insurance: The personal and advertising injury portion of the policy can help cover legal costs and settlements.

To learn more about Contractor’s Insurance or to receive a quote for your business feel free to contact the Trusted Choice Insurance Agents at The Richey-Barrett Co in Westlake Ohio.