Artisan Contractors

Artisan contractors need insurance to protect themselves, their businesses, and their clients from potential risks and liabilities inherent in their work. Whether it’s accidental property damage, bodily injury to third parties, or theft of valuable tools and equipment, insurance provides a safety net that can help cover the costs of legal fees, settlements, and property repairs. Additionally, having insurance in place often fulfills contract requirements and enhances credibility with clients, ultimately safeguarding the financial security of the contractor and their business.


Why Choose The Millward Agency?

Choosing The Millward Agency means opting for unwavering confidence in your insurance provider. Our accolades and recognitions speak volumes about our commitment to excellence. Our bespoke insurance solutions for the automotive industry are designed to underwrite your success, with a proven track record of serving businesses like yours with integrity, innovation, and a keen understanding of industry-specific risks.

Nationwide Presence

We are proud to offer nationwide coverage while retaining a personal touch that resonates with local communities. Our understanding of diverse regional needs ensures that our clients receive service that feels both global and neighborly.

75+ Years of Expertise

We carry a legacy of over seven decades in the insurance industry. Our enduring commitment to excellence is rooted in a deep understanding of insurance’s evolving landscape, shaped by years of experience and client-focused service.

Integrity in Every Policy

Our philosophy is simple: if we wouldn’t buy it ourselves, we won’t sell it. This ethos ensures every policy we offer is built on a foundation of trust and reliability, reflecting our commitment to honest and transparent insurance solutions.

Target Classes

Artisan contractors encompass a wide range of skilled tradespeople who specialize in various aspects of construction, renovation, and maintenance.
Here are some common types of artisan contractors, but not limited to:






HVAC (Heating, Ventilation, and Air Conditioning) technicians


Flooring installers (e.g., hardwood, tile, carpet)

Landscapers and gardeners

Drywall installers and finishers

Fence and deck builders

Concrete contractors

Cabinetmakers and woodworkers

Siding contractors

Glass and window installers

Insulation contractors

Solar panel installers

Welders and metalworkers

This list is not exhaustive, as there are many specialized trades within the artisan contractor industry. Each type of artisan contractor requires specific skills, expertise, and often, specialized insurance coverage to protect against the unique risks associated with their work.

Specialized Protection

  • Covers commercial and residential exposures
  • No self-performed work exclusions
  • Blanket Additional Insured Endorsement/Blanket Waiver of Subrogation/Primary Non-Contributory, Per Project Aggregate Wording included standard with all of our GL policies at no charge.
  • Professional and Pollution Liability available
  • All carriers are “A” rated

Standard Liability limits but not limited to:


$1,000,000 or $2,000,000

General Aggregate

$2,000,000 or $4,000,000

Aggregate Products/Operations

$2,000,000 or $4,000,000

Personal Injury / Advertising Injury

$1,000,000 or $2,000,000



Damage To Premises Rented To You


Umbrella/Excess Liability

$1,000,000 – $25,000,000+

Policies Offered

General Liability Insurance

This coverage protects artisan contractors against third-party claims of bodily injury, property damage, or personal injury occurring during their work. It typically covers legal fees, settlements, and medical expenses.

Commercial Property Insurance

This policy provides coverage for the physical assets of the artisan contractor’s business, including tools, equipment, and buildings, in case of damage or loss due to events like fire, theft, vandalism, or natural disasters.

Inland Marine

Tools and Equipment Insurance, this coverage protects the valuable tools and equipment used by artisan contractors against theft, damage, or loss, whether they are on the job site, in transit, or in storage.

Workers' Compensation Insurance

This coverage is often required by law and provides benefits to employees who are injured or become ill while performing work-related duties. It helps cover medical expenses, lost wages, and rehabilitation costs.

Commercial Auto

If artisan contractors use vehicles for business purposes, such as transporting equipment or traveling to job sites, commercial auto insurance is essential. It covers vehicles against accidents, damage, and liability claims.

Professional Liability (Errors & Omissions Insurance)

Some artisan contractors, such as architects, engineers, or consultants, may need this coverage to protect against claims of negligence, errors, or omissions in their professional services.

Pollution Liability

Coverage protecting against costs associated with pollution incidents, such as cleanup, legal expenses, and damages.

Umbrella Liability

This policy provides additional liability coverage beyond the limits of primary liability policies, offering extra protection against catastrophic claims or lawsuits that exceed the underlying policy limits.

Builders Risk

Coverage for property under construction or renovation, protecting against damage from various perils like fire, theft, and vandalism.

Installation Floater

Coverage for materials, equipment, and fixtures in transit or awaiting installation at a construction site.

Leased/Rented Equipment from Others

Coverage for equipment leased from others, protecting against damage, loss, or liability during the lease period.

Surety Bonds

Artisan contractors may be required to obtain surety bonds as a condition of obtaining licenses or permits. Surety bonds provide financial guarantees to clients that the contractor will fulfill their obligations according to the terms of the contract.

These are some of the key insurance coverages and policies that artisan contractors may need to consider to adequately protect their businesses and mitigate potential risks. The specific insurance needs may vary depending on the nature of the contractor’s work, the size of the business, and legal requirements in their location. Consulting with an insurance agent or broker who specializes in commercial insurance can help artisan contractors tailor coverage to their specific needs.

The Millward Agency, Inc. Testimonials

Hear from our clients who have achieved stability and growth with The Millward Agency’s insurance solutions. Our case studies demonstrate our commitment to providing unparalleled support and protection, proving that no challenge is too big when you have the right insurance partner.

Kurtis ThorntonKurtis Thornton
18:38 16 Jan 22
Very helpful and nice people, a great place to get your insurance needs taken care of.
Christopher LymanChristopher Lyman
14:48 26 Oct 19
Finally, I don't need to ever look for another insurance agent. The Millward Agency handles my personal and business insurance. Always helpful with my questions and quick to respond to my emergencies. The Millward Agency Rocks!
Markusz SudozMarkusz Sudoz
19:03 19 Jul 19
Every time I go to my broker, Ed Caceres @ the Millward Agency, he always finds me the best insurance rates on my real estate properties. Ed is great, always extremely responsive and understanding of the industry. In the past I would go do my own insurance shopping and spend hours on hours to get the best rate, now I do not even bother shopping around I just call Ed and he always has the best pricing. In the beginning I got a quote from Ed then shopped around, now I have learned to not even waste my time. Ed @ Millward Always saves me hundreds of dollars. 110% on customer service, 100% on pricing!!! A+++
Mobility SolutionsMobility Solutions
19:09 25 Jul 18
Everybody!!!!! is Great to work with when ever I need anything which is almost monthly.Linda
carlene klebecarlene klebe
20:01 22 Jun 18
My former insurance agent and friend recommended Ed Caceres of Millward Agency. Within hours of having given Ed a call, I had quotes and was decided to go with his carrier. He was professional and answered all my questions. I’m happy to have done business with Ed and Millward Agency.
John CourtneyJohn Courtney
16:20 11 Jun 18
Business or Personal this is who you want - Personal service from their Team is amazing, treat as though you are their only client.* Business - Review policy/coverage every year. Not limited to one or two insurance providers. Recommend changes, not necessarily to save money (although it is available) provide additional coverage. Three months later our additional coverage cost $150 on a $15000 claim. For years we were not covered! They are not limited to one or two insurance providers as our previous agent.* Personal - couple of claims were handled like we were their only client. They bundled coverage in such a way to save $2100 a year for a family of four and kids in college.***Will continue to recommend to business colleagues, friends and family***
Karen CarterKaren Carter
16:01 08 Jun 18
Our company has been working with Millward Agency for many years.They have been the best insurance company I have ever worked with.The staff is always very informative and very professional. Our insurance needs which include general, auto and worker's comp are very complex. Millward is able to handle and update all of our needs at any time of the year. I really like the fact they get back to you very quickly! They are very knowledgeable and caring we never think of going elsewhere. We will definitely be customers for years to come. Thank you Millward Agency!
Chad StottChad Stott
17:56 07 Jun 18
Wade and the Millward team have been consistently reliable, prompt, knowledgeable and a pleasure to work with. Wade and his crew have guided us through our ever growing needs and we attribute our success to the partnerships we have forged with organizations like The Millward Agency. We look forward to many more years working together.

Get a Quote

Ready to accelerate your business’s security and success? Contact Millward Agency today for a personalized insurance quote. Our team of experts is here to guide you through the process with ease and confidence, ensuring your business is covered, no matter what lies on the road ahead.