Artisan Contractor Insurance
Build With Confidence
At Ford Insurance, we know that construction isn’t just about building—it’s about craftsmanship. Whether you’re a skilled artisan focused on custom woodworking or masonry, our customized construction insurance
is designed to meet the unique needs of your business. We’ll protect your work, so you can focus on getting the job done right.
What we cover
As an artisan contractor, your insurance needs may differ from those of a general contractor. While both need coverage for liability, property damage, and workers’ compensation, artisan contractors often need custom coverage tailored to their specific trade.
General Liability
Protects against third-party claims for property damage or injury caused by your work.
Commercial Auto
Covers vehicles used for business, from transporting materials to getting to and from job sites.
Tools and Equipment Coverage
Ensures your valuable tools and equipment are protected from damage, theft, or loss.
Workers’ Compensation
Provides protection for you and your crew in case of on-the-job injuries.
Why The Ford Agency
At Ford Insurance, we understand that no two contractors are the same. Whether you’re a general contractor managing large-scale projects or an artisan contractor focused on specialized craftsmanship, we’ll work with you to tailor the right insurance solution for your business.
AUTO INSURANCE
What factors affect my auto insurance premium?
Your auto insurance premium is determined by a combination of factors, including your driving history, the type of coverage you select, the make and model of your vehicle, your location, and even your credit score. Safer drivers with clean records typically pay lower premiums, while high-risk drivers may face higher rates. The specific details can vary between insurance companies, so it's essential to discuss your unique circumstances with one of our experienced agents to get an accurate quote tailored to your needs.
Can I add additional drivers to my auto insurance policy?
Yes, you can usually add additional drivers to your auto insurance policy. This can include family members, friends, or other individuals who regularly drive your vehicle. However, it's essential to provide accurate information about all drivers and their driving history when adding them to your policy.Keep in mind that adding drivers with a poor driving record or a history of accidents may increase your insurance premium. Conversely, adding experienced, safe drivers can sometimes lead to lower rates.
What happens if I let someone borrow my car, and they have an accident?
If you lend your car to someone and they have an accident, typically your auto insurance policy would be the primary coverage in most cases. Insurance typically follows the car, not the driver. So, your insurance would likely be responsible for covering the damages to your vehicle and any liability associated with the accident.However, it's essential to check your policy and consult with your insurance provider because coverage can vary. Some policies may exclude certain drivers or have restrictions on who can use your vehicle. Additionally, if the person borrowing your car has their own auto insurance, their policy might provide secondary coverage.
What types of auto insurance discounts should I expect?
Car insurance often isn’t cheap, but you can cut costs by getting a discount. There are auto insurance discounts for a variety of reasons, including owning a home, driving safely and getting good grades.
The most common types of discounts you can get are for:
Early shopping.
Driver history.
Employment, Education and Group Affiliations.
Vehicle features.
Personal traits.
Customer loyalty.
Multiple policy customers.
