Casual or artisan contractors include such professionals as plumbers, electricians, roofers, carpenters and the like. These are men and women who work in the skilled trades as experts in a particular area. These people have specialized insurance requirements and need coverage that is different than most 1099 employees.
This coverage involves tools and gear that are heavily used and moved about and are not addressed by normal policies. In general, artisan contractors insurance comes in the form of a Business Owner’s Policy, or BOP. Most businesses with whom you contract will not offer coverage for you, so it is important to have your own.