Artisan Subcontractors

Tailored industry coverage

 

Why purchase tailored coverage?

Artisan Subcontractors Professional Liability offers tailor made protection for contractors covering all construction professional services, whether they are performed in house or subcontracted.  A Hiscox Artisan Subcontractors policy also covers pollution liabilities arising out of construction operations.

 

Document finder

Looking for a document? Find it here or check out our other resources.

*Required
Refine Search
${ resultCount }0 documents meet your criteria (Select from options above to return the items you need)
A link to "${ copiedDocument.Title }" has been copied to your clipboard
DocumentShare${ column.display_name }
${ document.Title }Copy Link ${ document[column.column_mapped_to] }
PageShowing page ${ currentPage } of ${totalPages}

Claims scenarios 

Not sure what risks our tailored Artisan Subcontractors Form would cover? We’ve brought some scenarios to life.

Faulty Workmanship

A plumbing contractor incorrectly installed the plumbing and pipes in a new home. The homeowner discovered the leak coming through the light fixtures to the floor below. The plumbing contractor’s general liability policy covered the third party damages to the homeowner’s ceiling, flooring and cabinets; however, the cost to rip out and replace the faulty pipes was excluded. A Hiscox Pro Artisan Subcontractors policy would cover the cost to rip out the shower, repair the faulty pipe and restore the shower to its proper appearance.

Faulty Workmanship

A plumbing contractor incorrectly installed the plumbing and pipes in a new home. The homeowner discovered the leak coming through the light fixtures to the floor below. The plumbing contractor’s general liability policy covered the third party damages to the homeowner’s ceiling, flooring and cabinets; however, the cost to rip out and replace the faulty pipes was excluded. A Hiscox Pro Artisan Subcontractors policy would cover the cost to rip out the shower, repair the faulty pipe and restore the shower to its proper appearance.

Pollution Liability

A concrete subcontractor did not properly ventilate one of the buildings after completing a pour of the concrete. As a result, the floors, walls and fixtures developed mold. The contractor’s general liability policy denies coverage citing the mold and pollution exclusion. A Hiscox Artisan Subcontractors Policy would cover the cost to clean up and repair/replace damage caused by the Mold condition.

Pollution Liability

A concrete subcontractor did not properly ventilate one of the buildings after completing a pour of the concrete. As a result, the floors, walls and fixtures developed mold. The contractor’s general liability policy denies coverage citing the mold and pollution exclusion. A Hiscox Artisan Subcontractors Policy would cover the cost to clean up and repair/replace damage caused by the Mold condition.