Insurance for Artisan Contractors in Washington
Artisan contractors in Washington—such as tile setters, painters, cabinet makers, and finish carpenters—play an essential role in refining residential and commercial construction projects. These tradespeople combine skill and craftsmanship with physical labor and precision tools. To protect your business and meet Washington state licensing requirements, it’s vital to carry proper insurance and maintain a contractor bond.
General liability insurance is the first line of defense. It covers third-party injuries or property damage—like paint spills on flooring, accidental damage to client property, or a customer tripping over supplies. This coverage helps pay for legal fees, settlements, and repair costs so your business can stay on track.
If you hire employees, Washington requires workers’ compensation insurance. Artisan trades often involve repetitive motions, tool use, ladders, and confined spaces—creating the potential for injury. Workers’ comp protects your team and helps your business remain compliant with labor laws.
Your tools are central to your trade. Inland marine insurance—also known as tools and equipment coverage—protects against loss, damage, or theft whether your gear is on the road, on-site, or in your vehicle. From compressors to hand tools, this policy ensures your business doesn’t stall due to missing equipment.
Commercial auto insurance is also important if you use a vehicle for transporting tools or traveling to job sites. It covers your vehicle, your employees, and third-party damages in case of an accident. If your team drives their own cars for work purposes, consider adding hired and non-owned auto coverage.
A contractor license bond is required for artisan contractors in Washington. This bond guarantees that your work complies with applicable laws, codes, and licensing regulations. It provides reassurance to clients and local authorities that your business operates with accountability and integrity.
Errors and omissions insurance may also be useful, especially if you provide detailed bids, measurements, or design consultations. It covers legal claims arising from professional mistakes, faulty advice, or unfulfilled project expectations.
At Insurance Alliance, we help artisan contractors throughout Washington craft personalized insurance solutions. Whether you’re a sole proprietor or part of a specialized finishing crew, we’ll make sure your business has the coverage it needs to build trust and thrive.
Contact Insurance Alliance today to get bonded and insured—so you can focus on your craft with confidence.
