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As an artisan contractor, you stand out from the competiton
As an insurer that specializes in business insurance, we have special skills,
too. Skills that allow us to serve you better.
Penn National Insurance offers you extra value with your business insurance
policies. Most insurance companies offer coverage that is virtually
interchangeable from insurance company to insurance company. A commodity. And
you are left to decide based just on price.
Comprehensive protection
With our artisan contractors program, your agent can build a complete insurance
plan to meet your specific business insurance needs. Whether it's general
liability insurance, workers' compensation, auto, umbrella, inland marine or
property coverage, we offer the full spectrum.
Tailor-made coverage. Just for your business.
Some of our artisan contractors policy coverages:
Auto
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Blanket waiver of subrogation
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Bodily injury redefined to include mental anguish
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Broad form named insured
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Hired car coverage worldwide
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Hired car physical damage
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Leased auto gap coverage
General Liability
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General aggregate limit per project / per location
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Automatic additional insureds - owners, contractors and subcontractors (ongoing
operations)
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Bodily injury redefined to include mental anguish
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Broad form named insured
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Newly formed or acquired organizations coverage amended to apply up to the
180th day
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Per-employee rating base
For an additional fee:
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Automatic additional insureds - owners, contractors and subcontractors
(completed operations)
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Contractors special liability coverage - voluntary property damage coverage
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Limited pollution liability coverage
Property
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Accounts receivable
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Computer equipment disturbance
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Employee theft, including ERISA
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Money and securities
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Outdoor property
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Outdoor signs
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Property of others
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Property off-premises
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Valuable papers and records
Workers' Compensation (not available in NJ and TN)
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Stop-gap liability coverage in Ohio & West Virginia
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Enhanced coverage in other states
We also offer these inland marine insurance coverages for an additional fee:
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Contractor and employee tools
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Contractors equipment - leased, rented or borrowed from others
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Contractors equipment (unscheduled)
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Contractors installation coverage
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Rental reimbursement expense
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