Contractors & Specialty coverage available for your business.
General Liability insurance does not protect your business against claims of professional negligence, or for failure to perform your professional duties. For this type of coverage, the business will need a separate Professional Liability policy.
Professional Liability Insurance protects your business against loss from a claim of alleged negligent acts, errors or omissions in the performance of your professional services.
The policy normally pays for any resulting judgments against you, including court costs, up to the coverage limits on your policy.
Employment Practices Liability
Employment Practices Liability coverage protects an employer against an employee's claims such as:
Sexual or Workplace Harassment
Violation of Employment Discrimination Laws
Violation of Americans with Disabilities Act
Wrongful Failure to Employ or Promote
Wrongful Deprivation of a Career Opportunity
Breach of Employment Contract
Employment Related Misrepresentation
Failure to Adopt Adequate Workplace Employment Policies & Procedures
Illegal Retaliatory Treatment
Invasion of Privacy
Employment Related Wrongful Infliction of Emotional Distress
The purpose of this insurance is to protect the corporation, directors, officers and employees from alleged employment-related wrongful acts. Some features of having this policy are Coverage for front/back pay, attorneys’ fees and compensatory damages, for punitive damages where insurable by law, for actual or alleged retaliatory treatment, varying retention's for class action suits or other claims, for emotional distress or mental anguish, no purposeful or intentional acts exclusion or reductions in force or mass layoffs exclusion.*
*Coverage varies from company to company
Directors & Officers Liability
Directors and officers liability coverage protects directors and officers against claims alleging negligence, errors and omissions, misstatements, misleading statements and misrepresentations.
Most organizations have a general liability policy that protects its directors and officers against negligent acts that result in bodily injury or property damage. However, general liability does not protect against alleged wrongful acts or omissions, including breach of duty, which do not result in bodily injury.
Directors and officers coverage protects your executives from potential lawsuits resulting from key decisions or management practices-lawsuits that may target their personal assets.
Insured parties include:
Coverage protects against:
Duty to Defend Coverage
Libel, Slander & Defamation of Character
Discrimination, Sexual Harassment & Wrongful Discharge
Money & Securities
Forgery & Depository
Pollution & Environmental Liability
Environmental coverage generally falls into two categories. Errors and omissions coverage, also known as professional liability, protects a professional who mistakenly designs a facility that causes pollution in some way. Pollution incident coverage protects professionals on the job in case they cause a pollution incident by perhaps backing into a sewage pipe.
Policies for environmental consultants can feature broad coverage specifically tailored to the specific needs of a professional in the environmental field. Coverage may include pollution incident and asbestos coverage as well as retroactive coverage for eligible firms.
Contractors’ Insurance for Local Artisans & Specialty Coverage
It’s important to protect your business with insurance products that suit your needs. However, not all businesses are created equally – what works for a large corporation won’t necessarily work for a local artisan. Luckily, you can count on KMK for artisan contractor’s insurance that helps protect all aspects of your business. From a local painting company to landscapers and more, we have the products needed to help your business thrive!
What is an artisan contractor?
The term “artisan contractor” refers to someone that performs a single trade or job and usually works in the home or one the property of the customer. In fact, examples of artisan contractors that are commonplace include:
Landscape & Lawn Care
Types of Artisan Contractors & Insurance
While you may fit the bill of an artisan contractor, the needs of individual business owners and businesses are always subject to change. That’s why it’s important to speak with a professional insurance representative to talk about the best options for you. However, the main types of insurance coverage available to artisan contractors include:
Liability Coverage – this type of coverage takes care of expenses related to things that you’re responsible for as a contractor working inside someone else’s home. That includes:
Damage to the patron’s property
Injury caused by shoddy workmanship
Injury caused by negligence
Products liability concerns
Cybersecurity and data breaches
Workers’ Compensation Insurance – In the State of Illinois, almost all workplaces require workers’ comp coverage, with few exceptions. This coverage protects you from expenses related to injuries sustained by your employees on the job.
Property Insurance – It’s not just important to protect your clients’ property, but it’s also vital that you protect the space your business uses including shops, warehouses, and other commercial spaces.
Floaters Insurance – Floater insurance policies cover things that may not fall under your property coverage. That includes specific tools and machinery. Each item needs its own policy.
Commercial Auto Insurance – Protect the vehicles that take you to and from the job site with commercial auto coverage. From one vehicle to a fleet of vans, we work to find what’s right for you.
Umbrella Insurance – While you may think you have enough liability coverage, it may be wise to purchase additional liability insurance that could cover up to $5 million in expenses. Ask our staff for complete details.
Illinois Home Repair & Remodeling Act (HRRA) – This Illinois State Law requires that artisan contractors obtain certain types of minimum coverage, as well as provide a written contract for jobs in excess of $1,000. We can provide minimum coverage to help comply with state, county or municipal codes.
Choose KMK for your commercial insurance needs
We proudly support local business owners throughout the Metro-East area with commercial coverage options that take the needs of your business into account. All businesses are different, and we use various factors to determine the best form of insurance to keep you protected where you need it most. People choose us because we offer:
Multiple Coverage Options
Friendly Office Staff
*The information on this page is not intended for educational purposes. Please consult an insurance professional before making any decision regarding insurance or investments.