Overview of the Program
With over three decades of experience insuring contractors, AIM is your go-to market for artisan trades. Our program is backed by relationships with various top-rated carriers and is available on a non-admitted basis. We understand the unique risks faced by artisan contractors and provide tailored solutions that offer both protection and flexibility.
Ideal Accounts and Target Classes
We offer coverage for over 100 contractor classes and specialize in writing both interior and exterior operations. Some of our most popular classes include:
- Landscape Gardeners
- Excavators
- Interior and Exterior Carpenters
- Electrical Contractors
- Concrete Work
- Drywall Installers
- Siding Contractors (Vinyl or Wood)
- Painting Contractors
- Masonry Contractors
- Tree Trimmers
You might have a client who runs a small painting business or a growing electrical operation—either can be a strong fit for our program. We welcome both start-ups and established businesses.
Coverage Highlights and Advantages
Our Artisan Contractors Insurance program includes essential coverages and valuable enhancements to meet the needs of today’s contractor:
- Comprehensive General Liability limits up to $5,000,000
- Excess Liability coverage available
- Damage to Premises Rented to You up to $100,000
- Medical Payments up to $5,000
- Occurrence Form coverage
- Property coverage with enhancement form
- Property floaters for tools and equipment
- Additional Insured Endorsements
- Waiver of Subrogation and Primary Wording available
- Per Project Aggregate options
Underwriting Notes
We provide fast turnaround on quotes, especially for our most frequently written classes. Our team is ready to help you navigate requirements and ensure your client gets the coverage they need. This program is non-admitted and is placed through a variety of reputable carriers.
Territories and Availability
This program is currently available in North Carolina (NC), Virginia (VA), and Washington D.C. We are actively writing business throughout these areas and are well-versed in local contractor requirements and exposures.
Why Work With Agents Insurance Markets, Inc.?
At AIM, we’ve specialized in contractor risks for over 30 years. Our experienced underwriting team understands the specific needs of contractors and can help you find tailored solutions quickly. We offer market access, responsive service, and a broad appetite for artisan trades—making us the partner of choice for agents placing contractor business.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for small to midsize artisan contractors, including painters, electricians, landscapers, drywall installers, and similar trades operating in NC, VA, or DC.
Is this program admitted or non-admitted?
This is a non-admitted program placed through various carriers. It provides flexible underwriting and broader options for contractors who may not fit standard markets.
Can this program cover tools and equipment?
Yes, property floaters are available to cover tools and equipment used by contractors on the job site or in transit.
Are start-up contractors eligible?
Yes, new ventures are welcome. We can offer quick quotes and flexible options for start-up contractors looking to get insured and comply with project requirements.
What is the turnaround time for quotes?
We offer fast response times, especially for our top contractor classes. Many "quick quote" options are available for over 100 different contractor types.
Need help placing an account? Connect with a market specialist.