Small Contractors Insulate Their Businesses From Risk with a Utica First Artisan BOP
Utica First has over a century of experience providing innovative insurance solutions. And for more than 25 years, we have been offering our artisan contractor business owner policies (BOP), delivering value and peace-of-mind coverage to over 40,000 small contractors.
Who We Cover
We cover a wide range of trades, including heating (no LPG), insulation, and interior painting contractors.
Why Coverage Is Important
Insurance is all about protecting contractor businesses that owners have worked so hard to build from risks inherent in the industry. It’s not about being pessimistic; it’s about being proactive and protecting the business in the event that an accident occurs.
Whether small contractors install furnaces, insulate homes, or transform interiors with fresh paint, proper insurance coverage lets owners focus on satisfying customers—not worrying if the business will financially survive a claim.
No matter how much safety training is conducted or how careful or experienced the crew is on jobsites, the reality is that accidents or mistakes can still happen, such as a faulty furnace installation, damaging wiring when blowing insulation, or spilling paint on a customer’s hardwood floor. A single claim can be financially disastrous for small contractors who have no coverage or who have gaps in coverage.
What We Protect
Standard Coverage Highlights
- General Liability—protects a contracting business in the event that bodily injury, property damage, or personal and advertising injury occurs
Optional Tailored Coverages
- Commercial Property—protects the place where business is conducted and the things used to conduct business
- Business Income—covers the loss of income when the business can’t run because of a covered property loss
- Tools and Equipment—covers vital tools and equipment that are stolen or damaged
- Tool Box or Tool Chest—exclusive endorsements for a great deal on bundled coverages:
Commercial Umbrella Policy—for added peace of mind
In today’s litigious climate, business owners need enhanced liability protection, and Utica First is here to make that easy. Our commercial umbrella policy provides flexible options to provide customers with the coverage they need—the comprehensive protection of a commercial umbrella.
Utica First can provide an umbrella policy up to $5 million (in $1 million increments).
We’re Committed to You
At Utica First, our policy is putting you first. We believe in the power of teamwork and the strength of our dedicated agents and agent partners. The Utica First team is known for our character and integrity, going above and beyond for our agents and agent partners. We are here to make your life easier and support your customers and overall success.
Learn More
If you have artisan heating, insulation, or interior painting contractor customers in the states of New York, New Jersey, Connecticut, Florida, Pennsylvania, Ohio, Maryland, Virginia, or Massachusetts, click here to learn more about how to build the best artisan contractor coverage for them. #UticaFirst #PuttingYouFirst
