Business insurance for artisan and service contractors

Help secure your small business with well-crafted coverage options.

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Why you need Artisan and Service Contractors Insurance

While you're working on site – as an electrician, lawn care professional, carpenter, etc. – let us work behind the scenes to protect your small business. Artisan and service contractors insurance through State Farm® protects against:

  • Damage to on-site property – You’re digging a hole to bury plumbing; you’re not digging for gold. Yet, you strike something: a public water main. We can cover you.
  • On-premises injuries – Shovels don’t put themselves away. When they’re forgotten, there’s risk because a client or neighbor might trip over them. When related claims or lawsuits happen, we can help protect you.
  • Theft – Your tools are expensive and often hard to replace. When they disappear from a job site while you’re on a lunch break, we can help ease that financial headache.

What Artisan and Service Contractors Insurance covers

  • Business Personal Property – Protects your content and equipment from accidental direct physical loss.
  • Building Property – Covers your building, storage buildings, garages, fixtures, and other structures.
  • Business Liability – Insures you against costly claims and lawsuits.
  • Completed Operations – Provides coverage for bodily injury and property damage claims resulting after a construction or service project is completed.
  • Mobile Equipment – Provides broad coverage for mobile equipment, tools, and equipment used in contracting operations.
  • Installation Floater – Provides broad coverage for business property you own or are responsible for while in transit, awaiting installation, or being installed at the job site.
  • Property of Others – Pays for property damage to the property of others while the property of others is in your care, custody, or control.

Consider adding additional coverages

Depending on the type of services you provide, the number of employees you have and other factors, what’s covered in your Artisan and Service Contractors Insurance policy may not be enough.

A local State Farm agent can advise you on additional coverages you may need to protect your business.

Commercial auto

Commercial auto covers the cars, trucks, vans, and other vehicles used for business. If you have multiple vehicles, talk to a local agent about available options.

Employers’ non-owned and hired car

If your business uses hired, leased or loaned vehicles on a short-term basis, or if employees use their vehicles for your business, you may want to consider employers’ non-owned and hired car coverages. Talk to a local agent about available coverage options in your state.

Workers' compensation

Workers’ compensation helps protect your crew against work-related injuries or illness. Requirements for workers’ comp vary by state.

Surety Bonds

Surety Bonds guarantees your work for licensing requirements and can also give potential customers added peace of mind.

We’re in the business of helping your small business

Since 1935, State Farm has been helping small business owners manage risk, plan for the future and protect what they’ve built.
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Agent know-how

State Farm agents are small business owners too. They understand what it takes to run a business and are ready to help you set up for success.

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Customizable insurance

State Farm offers a wide variety of coverage options that you can tailor to help fit your unique business needs. You can choose the right coverage at the right price for you.

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Personalized service

Your local State Farm agent is ready to help your business grow and thrive with good neighbor service you can count on no matter what.

Talk to a local State Farm agent

This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all business and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.

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