The Heritage Artisan Contractor Program

Construction projects are on the rise and Heritage Property and Casualty Insurance is committed to insuring the Artisan Contractors who are helping it grow. The best way to protect those businesses is through a Commercial General Liability (CGL) policy customized for the needs of Artisan Contractors.

Our Commercial General Liability (CGL) policy provides essential insurance for trade contractors working in Florida. Our CGL product provides coverage when you are liable for property damage or injury to others occurring in the course of your work. Your Commercial General Liability Policy also provides coverage for the following:

Man Cleaning Gutters on Ladder

Medical Payments to Others

Medical Payments coverage provides coverage for the medical bills of persons other than you or your employees, who may be injured due to your work at a job site or office. Medical payments coverage provides payment for reasonable medical expenses resulting from accidental bodily injury without regard to fault.

Damage to Premises Rented to You

Damage to Premises Rented to You, also known as Fire Legal Liability, provides protection if a fire occurs at a premises you rent and you are legally responsible for the fire. This provides coverage for premises rented on a long term basis or for only a few days.

Damage to your Equipment

An optional coverage available with your Heritage Artisan General Liability policy is coverage for physical damage to your tools and equipment. Heritage offers three different types of this coverage, also known as Inland Marine, to meet the varying needs of Florida’s Artisan Contractors. The coverage options include the following:

  • Coverage on a blanket basis for small tools such as hand held power tools.
  • Coverage for larger items such as riding lawn mowers and other higher value contracting equipment.
  • Coverage for products or materials that are damaged before or during installation.

Coverage for Additional Insureds

Needing to add an additional insured to a policy for a specific job is a fact of life for Artisan Contractors. Heritage understands this need and provides our Artisan Contractors with the coverage forms you need. We have a wide range of forms available for Additional Insureds to satisfy job requirements.   

Contact your insurance agent to determine the coverage that is right for you and to learn more about The Heritage Artisan Contractor insurance program.  And with Heritage Insurance, if you need to report a claim, we’ll be there for you 24 hours a day, 7 days a week to handle your claim quickly and efficiently!

This information is provided to you as an overview of our products and services. Consult your insurance agent to understand all of the provisions, limitations and exclusions that are part of a Commercial General Liability insurance policy.