Contractors

Artisan Contractors Insurance!

The next partner you should have is T.W. Morgan Insurance Services.
We're here to design a cost saving program for your company.

At T.W. Morgan Insurance Services, we are here to Customize your policy if you just need a liability policy or the complete package to protect your business operation for Artisan Services Business Owners.

While your day-to-day operations may be complex, understanding Business insurance doesn't have to be. Our customized Artisan Contractors insurance program helps you protect your business, covering elements such as: tools and equipment breakdown, contractors installation and workers compensation coverage for your employee injuries onsite.

• From the loss of valuable tools and equipment, to property damage caused by defective equipment or employee error, T.W. Morgan Insurance Services Business insurance protects you from the risks you face as a business owner.

• Custom coverage that minimize possible gaps and costly duplications.
  Our Artisan Contractor Package Policy offers a wide range of coverage's to protect your business and can be tailored to meet your specific property, liability and other insurance needs. We have a plan for you.

• Professional Agents and underwriters are specialists in the Building industry. Our agents and underwriters are highly trained professionals who specialize in providing commercial insurance to Building Contractors. We know your unique insurance concerns and they understand your business.

• Competitive and flexible pricing. We offer flexible pricing plans designed to reflect the unique characteristics of your business, taking into consideration limits, coverage and deductible requirements, past loss experience and loss prevention efforts, and hazard control and safety protection features.

• Service – a return on your investment.
  

  Insurance is an investment. You expect quality and value for your premium dollars. And that is what you will get – customized coverage accompanied by excellent service through professional, knowledgeable and responsible Agents and Claims Representatives.

• Personal service from a friendly, knowledgeable staff.
  You are our customer. Meeting and caring for your needs and minimizing the risk of loss and its impact on your business is our main concern.

• Expertise and coverage recommendations.
  Insurance requires choices, and choices require guidance. With our industry specific coverage's we provide the coverage's and optional choices you need. As your agent we will be there to explain those options and provide assistance in selecting and securing coverage.

• Annual reviews to keep your coverage current.
  Insurance needs change as your business continues to grow. We recommend an annual review to make sure your coverage's are adequate and kept up to date.

• One agency to handle all your insurance needs. We are a full-service multiple lines agency. We can assist with your commercial insurance needs such as Property/Liability, Business Auto, Commercial Umbrella and Workers Compensation. In addition, we can serve your personal lines needs such as Homeowners, Personal Auto, Personal Umbrella, Life Insurance and much more in the way of specialty coverage's and services!

  

  Here is a list of key features you should have in your policy to provide the protection to your business and meet the demands of your vendors to get the job. It's not always about price, it's about having the protection and showing your customers that you have the expertise to do the job and you have the right tools in place to allow you to win the job. Today's vendors are seeking the services from contractors with higher standards and complete insurance policies. They are demanding higher limits, special wording endorsements and certificates of insurance to do business with their companies. Our trained staff is here to fulfill that requirement, so you can get paid and continue to work the jobsite.

Does your current policy provide these policy benefits and available options? As a full service agency, we have partnered with top insurance companies to offer our clients coverage and service that is "Service Above the Rest" . Here is a list of policy features that should be in your policy.

• Business owners Special Property Coverage Form
• Replacement Cost
• Business Income
• Contractors Installation Coverage
• Contractors Tools and Equipment
• Newly Acquired Buildings
• Business owners Special Form Computer Coverage
• Outdoor Sign Coverage
• Emergency Removal
• Personal Property Off Premises
• Pollution Clean-Up

PROPERTY COVERAGE

• Outdoor Property
• Fire Department Service Charge
• Arson Conviction Reward
• Fire Extinguisher Recharge
• Machinery and Equipment Breakdown

Optional Coverage's Proposed:

• Employee Benefits Liability
• Building Ordinance
• Hired and Non-Owned Auto
• Glass Deductible Buy-Back
• Back-up of Sewer and Drain

We like contractors, so why not call an agent who understands your needs as a contractor today at 503-245-3345 or 888-821-4717 toll free. We also provide CCB bonds for your state license requirements.