Artisan Subcontractors

Tailored industry coverage

 

Why purchase tailored coverage?

Artisan Subcontractors Professional Liability offers tailor made protection for contractors covering all construction professional services, whether they are performed in house or subcontracted.  A Hiscox Artisan Subcontractors policy also covers pollution liabilities arising out of construction operations.

 

Coverage & Benefits
  • Core coverage:

    • Contractors Pollution: claims alleging pollution events arising from your construction activities or operations. Includes coverage for mold, emergency response and restoration costs, pollutants in transport, and non-owned disposal sites. Available on a claims-made and occurrence basis.
    • Faulty Workmanship: fills exclusionary gaps in the Insured’s general liability policy, covering faulty or inadequate skill, quality or craftsmanship, or the use of defective materials or products, in covered work, resulting in physical damage or impairment.
    • Professional Liability: claims alleging negligent design, engineering, construction management, consulting services performed by you or on your behalf.
    • Rectification: advances funds directly to the Insured to rectify a design error and get the project back on track, avoiding potentially costly lawsuits and professional liability claims.
  • Coverage benefits:

    • Broad definition of professional services, including technology services, use of drones, and pro bono services
    • Primary-noncontributory and blanket additional insured coverage for Contractors Pollution
    • 70/30 Settlement Clause

 

  • Coverage enhancements:

    • Media and Advertising
    • Crisis Management
    • Pre-claims Assistance and Additional Payments
Appetite & Capacity
  • Carpenters
  • Concrete masonry
  • Demo and excavation
  • Electricians
  • Landscapers
  • Painters
  • Pavers (street and road)
  • Plumbers
  • Renovation contractors
  • Other trade and artisan subcontractors
  • Capacity: Up to $5m
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Claims scenarios 

Not sure what risks our tailored Artisan Subcontractors Form would cover? We’ve brought some scenarios to life.

Faulty Workmanship

A plumbing contractor incorrectly installed the plumbing and pipes in a new home. The homeowner discovered the leak coming through the light fixtures to the floor below. The plumbing contractor’s general liability policy covered the third party damages to the homeowner’s ceiling, flooring and cabinets; however, the cost to rip out and replace the faulty pipes was excluded. A Hiscox Pro Artisan Subcontractors policy would cover the cost to rip out the shower, repair the faulty pipe and restore the shower to its proper appearance.

Faulty Workmanship

A plumbing contractor incorrectly installed the plumbing and pipes in a new home. The homeowner discovered the leak coming through the light fixtures to the floor below. The plumbing contractor’s general liability policy covered the third party damages to the homeowner’s ceiling, flooring and cabinets; however, the cost to rip out and replace the faulty pipes was excluded. A Hiscox Pro Artisan Subcontractors policy would cover the cost to rip out the shower, repair the faulty pipe and restore the shower to its proper appearance.

Pollution Liability

A concrete subcontractor did not properly ventilate one of the buildings after completing a pour of the concrete. As a result, the floors, walls and fixtures developed mold. The contractor’s general liability policy denies coverage citing the mold and pollution exclusion. A Hiscox Artisan Subcontractors Policy would cover the cost to clean up and repair/replace damage caused by the Mold condition.

Pollution Liability

A concrete subcontractor did not properly ventilate one of the buildings after completing a pour of the concrete. As a result, the floors, walls and fixtures developed mold. The contractor’s general liability policy denies coverage citing the mold and pollution exclusion. A Hiscox Artisan Subcontractors Policy would cover the cost to clean up and repair/replace damage caused by the Mold condition.