Demetriou General Agency (DGA) offers a competitive market for
Artisan Contractors Insurance, including Workers’ Compensation and Commercial Auto coverage tailored specifically for artisan contractor classes. As a Managing General Agency, DGA is focused on helping agents and brokers place quality contractor business with flexible underwriting and strong carrier relationships.
DGA actively writes coverage for a wide variety of artisan trade classes including, but not limited to:
- Carpentry (interior and exterior)
- Painting (residential and commercial)
- Plumbing and HVAC
- Fence Installation
- Landscaping and Lawn Care
- Electrical Work
- Flooring Installation
- Driveway Paving and Asphalt Work
- Janitorial Services
- Appliance Installation and Repair
This program is a great fit for small to mid-sized contractors who need solid coverage options without excessive premium thresholds. DGA does not require minimum premium commitments and accepts small payroll operations, making it a strong option for startup and growing artisan businesses.
Ideal Accounts and Appetite
DGA’s Artisan Contractors Insurance program is ideal for:
- Small to mid-sized trade contractors with clean loss history
- New ventures with experience in their trade
- Contractors operating primarily in residential or light commercial markets
You might have a client who just opened a family-run landscaping company or a solo electrician expanding into light commercial jobs—DGA can provide the Workers Comp and Auto coverage they need to stay compliant and competitive.
Coverage Highlights and Advantages
Key coverages available through this program include:
- Workers Compensation—meets statutory requirements and supports growing payrolls
- Commercial Auto—coverage for owned business vehicles and fleets
- Flexibility across multiple artisan trades, including mixed operations
With access to a broad range of carriers, DGA can help agents match the right market to each client’s needs. No minimum premium and small payroll thresholds open the door to accounts that may not fit elsewhere.
Underwriting Notes and Minimum Premiums
DGA offers underwriting flexibility and is open to reviewing a variety of risk profiles, including:
- New ventures with prior experience
- Small operations with lower payrolls
- Contractors with straightforward operations and safety protocols in place
Minimum premiums vary by risk class and carrier, but DGA has no hard minimums, making it easy to quote smaller accounts.
Territories and Availability
This program is available in the following states:
CT, FL, MA, ME, NH, NJ, NY, PA, RI, and VT.
Whether you're working with a contractor in the Northeast or serving clients expanding into Florida, DGA provides consistent market access and underwriting support across these regions.
Why Work With Demetriou General Agency?
As a specialized MGA, Demetriou General Agency understands artisan contractors and how to serve agents who support them. With flexible underwriting, no minimum premiums, and a wide appetite of contractor classes, DGA helps you write and retain profitable accounts. Their focus on Workers Comp and Auto coverages gives you the tools to round out accounts and solve common placement challenges.
Choose DGA for your next Artisan Contractors Insurance submission and gain a partner who understands the needs of trade clients and the agents who serve them.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for small to mid-sized artisan contractors such as electricians, painters, landscapers, and plumbers operating in residential or light commercial markets.
Are new ventures eligible for coverage?
Yes, DGA will consider new ventures, especially when the owner has prior experience in the trade and a clean record.
What coverages are included in the program?
The program offers Workers Compensation and Commercial Auto coverage, with appetite for a wide range of artisan contractor classes.
Is there a minimum premium requirement?
No. There are no hard minimum premium requirements, and small accounts with limited payroll are welcome.
Which states is this program available in?
The program is available in CT, FL, MA, ME, NH, NJ, NY, PA, RI, and VT.
Need help placing an account? Connect with a market specialist.