Artisan Contractors

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.

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

Available
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

Offer coverage built for your clients.