Insurance for California Artisan contractors

Specialty work and related trades

Describe the specialty work without relying only on a license code. Include related operations, installation methods, and employee duties.

A company doing more than one trade should disclose each and explain the revenue, payroll, and subcontractor split.

Restrictions on specialty operations

• Designated trades and related operations.
• Job height, depth and project types.
• Subcontractor conditions.
• Contract endorsements.

Coverage for specialty operations

Describe the installation methods, materials, related trades, and conditions on site. Work at height, excavation, customer-property exposure, or design responsibilities can change the insurance needed.

Compare designated operations and exclusions with every service offered. Include field payroll, tools, business vehicles, subcontracted work, and the endorsement requirements in your contracts.