Contractors
This playbook is your go-to resource for understanding the unique coverage needs of contractors — from everyday job site risks to specialized protections that support construction and trade operations.
The following playbook is intended to provide guidance on Merchants’ appetite and most desired risk characteristics. Your Merchants team is available to speak about the entirety of a risk that may have characteristics not exactly fitting our desirability.
We also encourage you to refer to Merchants Appetite Guide under the Resources/Tools menu of the Commercial Gateway in Merchants agent portal website for class-specific eligibility.
Description of Operations
Artisan contractors are skilled workers who perform a specific trade, such as electrical, plumbing, or carpentry, using specialized tools and equipment at a customer’s location. Unlike general contractors who manage an entire project, artisan contractors focus on a specialized part of the work and are often sub-contracted for their expertise.
