Business insurance for artisan and service contractors

Help secure your small business with well-crafted coverage options.

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Why you need Artisan and Service Contractors Insurance

While you're working on site – as an electrician, lawn care professional, carpenter, etc. – let us work behind the scenes to protect your small business. Artisan and service contractors insurance through State Farm® protects against:

  • Damage to on-site property – You’re digging a hole to bury plumbing; you’re not digging for gold. Yet, you strike something: a public water main. We can cover you.
  • On-premises injuries – Shovels don’t put themselves away. When they’re forgotten, there’s risk because a client or neighbor might trip over them. When related claims or lawsuits happen, we can help protect you.
  • Theft – Your tools are expensive and often hard to replace. When they disappear from a job site while you’re on a lunch break, we can help ease that financial headache.

What Artisan and Service Contractors Insurance covers

  • Business Personal Property – Protects your content and equipment from accidental direct physical loss.
  • Building Property – Covers your building, storage buildings, garages, fixtures, and other structures.
  • Business Liability – Insures you against costly claims and lawsuits.
  • Completed Operations – Provides coverage for bodily injury and property damage claims resulting after a construction or service project is completed.
  • Mobile Equipment – Provides broad coverage for mobile equipment, tools, and equipment used in contracting operations.
  • Installation Floater – Provides broad coverage for business property you own or are responsible for while in transit, awaiting installation, or being installed at the job site.
  • Property of Others – Pays for property damage to the property of others while the property of others is in your care, custody, or control.

Consider adding additional coverages

Depending on the type of services you provide, the number of employees you have and other factors, what’s covered in your Artisan and Service Contractors Insurance policy may not be enough.

A local State Farm agent can advise you on additional coverages you may need to protect your business.

Commercial auto

Commercial auto covers the cars, trucks, vans, and other vehicles used for business. If you have multiple vehicles, talk to a local agent about available options.

Workers' compensation

Workers’ compensation protects your crew against work-related injuries or illness. Requirements for workers’ comp vary by state.

Surety Bonds

Surety Bonds guarantees your work for licensing requirements and can also give potential customers added peace of mind.

Rated “the best overall” insurance company for small business

We’re not ones to brag (okay maybe a little), but Investopedia recognized State Farm insurance as the top choice for small businesses 1 like yours. Here’s why:

Agent know-how

Our agents are business owners too. They understand the unique needs of small business owners.


Customizable insurance

We offer an array of coverage options that can be combined into one affordable policy.


Exceptional service

Since 1935, we’ve been here to help small business.

Talk to a local State Farm agent

This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all business and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.

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