Comprehensive Artisan Contractor Insurance for DC, Maryland, and Virginia
Precision is Your Trade.
Protection is Ours.
- Accidental Damage to Customer Property
- Theft of Tools & Materials (Job Site or Vehicle)
- Injuries to Bystanders or Other Contractors
- Commercial Vehicle Accidents
- Claims of Faulty Workmanship (Completed Operations)
- Employee Injuries (Falls, Burns, Cuts)
Specialized Coverage for Skilled Trades
Liability Protection
Tools & Inland Marine
Workers’ Compensation
Commercial Auto
Installation Floater
License & Permit Bonds
Serving the Capital Region's Tradespeople
We match your coverage to the specific licensing boards and regulations of your state.
- Washington D.C.: Compliance with DCRA requirements for Basic Business Licenses and permit bonds for construction work.
- Maryland: Specialized packages meeting MHIC (Maryland Home Improvement Commission) insurance and bonding standards.
- Virginia: Coverage tailored for Class A, B, and C Contractors to meet DPOR financial responsibility requirements.
Frequently Asked Questions
I’m a subcontractor. Do I need my own insurance?
Yes. Most General Contractors (GCs) will not allow you on the job site without your own General Liability policy and Workers' Comp. They need to know their liability is limited if you cause an accident.
How is contractor insurance cost calculated in DC and MD?
Costs depend on your trade (e.g., roofing and welding are higher risk than painting or tiling), your payroll expenses, your gross revenue, and your history of claims.
What is "Completed Operations" coverage?
This is a crucial part of your General Liability. It protects you if a claim arises after you have finished the job—for example, if a deck you built collapses six months later or a wire you installed sparks a fire next year.
Does my policy cover materials I haven't installed yet?
Only if you have an Installation Floater. Standard property insurance might not cover that stack of lumber or those expensive lighting fixtures sitting in the garage or on the job site waiting for installation.
How quickly can I get a Certificate of Insurance (COI) for a General Contractor?
We know you can't get paid or start work without it. Once your policy is bound, we can typically issue a Certificate of Insurance (COI) within the same business day to satisfy the GC or property owner.
Do I need Workers' Comp if I am the only employee?
It depends on the state and the job. In many cases, you can exclude yourself as the owner, but many GCs will still require you to have it to prevent them from being liable if you get hurt on their site.
What happens if I accidentally damage a customer's expensive furniture?
Your General Liability policy covers "property damage to others." If you drop a hammer on a granite countertop or spill paint on an expensive rug, your insurance can cover the repair or replacement costs.
Request a Business Quote
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