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.
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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.
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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
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Coverage enhancements:
- Media and Advertising
- Crisis Management
- Pre-claims Assistance and Additional Payments
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Claims scenarios
Not sure what risks our tailored Artisan Subcontractors Form would cover? We’ve brought some scenarios to life.