Wayne Mutual Insurance Artisan Contractor Program

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Wayne Mutual's Artisan Contractor Program provides property and liability coverage for small to medium-sized trade contractors with 10 employees or less. The program is designed to provide coverage for a host of trades, including these common categories:

Appliances and Accessories - Installation and Servicing
Carpentry
Carpet or Rug Cleaners
Cleaning Services - Residential or Office
Concrete Construction
Driveway, Parking Area, Yard or Sidewalk - Paving or Repairing
Electric Work-Within Buildings - Residential or Light Commercial
Excavation - Earth
Floor Covering (no ceramic tile) - Installation, Service and Repair
Garage or Overhead Door Installers
Handyman - Minor Repairs in a Household
Heating and Air Conditioning - Systems and Equipment
Landscape Gardening
Masons
Painting - Interior
Power Washing
Plumbing - Residential or Office
Roofers - Residential Shingle
Siding Installers
Wallpapering

Wayne Mutual's Artisan Contractor Program offers protection for the following:

Liability

Covers bodily injuries and property damage to others

Premises and Operations
Medical Payments
Products and Completed Work
Fire Legal Liability (covers you if you cause a fire that damages rented space)
Personal/Advertising Injury (coverage for acts such as libel, slander, invasion of privacy or copyright infringement)
Additional Insureds
Care, Custody & Control (covers damage to the property of others in your possession)
Explosion, Collapse and Underground (XCU) coverage
Non-Owned/Hired Auto Coverage
Employers Liability/Stop Gap (covers gaps between the Workers Compensation policy and the commercial liability policy that can leave you uncovered)

Property

From tools and machinery to your buildings and business personal property, Wayne Mutual's Artisan Contractor program can be tailored to meet the specific coverage needs of your business. Available coverage options include:

Buildings
Business Personal Property
Loss of Income
Contractors Tools
Contractors Equipment
Installation Floaters
Computers
Employee Dishonesty
Money & Securities
Valuable Papers & Records
Accounts Receivable
Glass
Outdoor Signs
Earthquake
Backup of Sewers & Drains
Ordinance or Law

Discounts

Multi-Policy (when combined with a Wayne Mutual Commercial Auto policy)
Automatic Sprinkler Systems

Consult your local agent to find out how our Artisan Contractor program can be structured to suit your individual needs. We also offer a Commercial Auto program to protect your company vehicles.

The coverages described above are presented in general terms and are subject to the actual policy exclusions and conditions. For specific coverage details and policy exclusions, refer to the policy itself or contact your Wayne Mutual agent. If there is a conflict between this website and the policy, the policy provisions shall prevail.