Offer coverage built for your clients.

Tangram is ready to get to work for you.

Artisan Contractors Workers’ Compensation Insurance Program

Artisan contractors are involved in many aspects of construction and contractor work – and include various trades and skills. From the neighborhood plumbing or electrical firm to the local landscaper and drywall and roofing experts, each contractor comes with specific on-the-job exposures that require a solid Workers Compensation program. Our program is designed primarily to help insurance brokers meet the Workers Compensation needs of small to mid-size Artisan Contractors and General Contractors (GCs).

We partner with an A.M. Best “A XI” rated (Excellent) insurance carrier and provide claims servicing from York Risk Services Group, experienced claims and risk management specialists whose focus is in driving down the severity, duration and total cost of claims for clients.

For contact information, submission requirements, and the Workers Compensation application, please click here.

Who We Protect

  • Sweet Spot are artisans and general contractors paying $3,000 to $50,000 in annual premium
  • We’ll Also Take A Look At: Building Operations & Janitorial (by the way, we also offer Property, Inland Marine, General Liability and Auto for this class of business)
  • On the Books: Retail/Wholesale (we have a handful of these accounts)
  • Target classes include: carpenters, painters, plumbers, electricians, window & door installers
  • Can write work compensation and package coverage for janitorial contractors
  • Entertain sub-contracting exposure up to 40%

Program Features

  • Mono-line Workers Compensation
  • 100% In-house Underwriting Authority
  • Underwriter has Authority to Choose Insurance Company Paper based on Risk & Exposure
  • Quick Turnaround on Quoting/Binder/Policy Issuance
  • Monthly Reporting Available for Accounts > $25k in Annual Premium
  • Blanket Waivers Available
  • Can Write New Ventures (subject to experience)
  • NO Broker Fees

What We Don’t Write

We know how valuable your time is, so we’ve provided a list of the risks not included in our program:

  • Height Exposures over 2 Stories
  • Below Grade Exposures Below 4 Feet
  • Sub Costs over 25% – NOTE FOR GCs
  • Building Demolition, Wrecking, Shoring and Underpinning
  • Window Washing Above Ground Level
  • Asbestos and Mold Remediation
  • Group Transportation (3 or more employees)
  • Tree-trimming

Program Footprint

Where We Are

Not Available

Ready to Learn More?

Located across the Golden Gate Bridge, just outside of San Francisco, Tangram is a full-service Managing General Underwriter and Program Manager offering specialty programs. We focus on industry-relevant coverage, competitive pricing, and practical business and risk management solutions for your clients. Since we are not all things to all people, we make sure to create outstanding custom-built solutions that matter to those businesses, and the brokers who serve those industries.

Every day we work on making life easier for you. Whether it’s the submission process, delivering quotes, or servicing accounts – we are determined to break new ground. We are constantly building so we can constantly help you build.

Contact Us


Security Verification