Artisan Contractors Insurance 

Artisan contractors face a range of liability exposures that require appropriate insurance coverage. MiniCo’s Artisan Contractors program (ArtisanPAK) gives agents the ability to customize policies for their clients that are commercial, residential, service and repair, and landscaping contractors. Our team of specialized underwriters have extensive industry experience and can rate, quote, bind, and issue policies, as well as service accounts.

This program is currently available in Arizona, California, and Nevada.

Target Classes

  • Drywall, acoustical tile, and insulation
  • Electrical, telephone, and cable
  • Fencing
  • Flooring
  • Glass
  • Home installation
  • HVAC and refrigeration systems
  • Land development and improvement
  • Landscaping: lawn care, hardscape, snow removal, nurseries, and arboriculture
  • Masonry
  • Painting
  • Plumbing
  • Sign installation
  • Solar energy
  • Swimming pool installation
  • Tile
  • Window cleaning

Coverage Highlights

Artisan Contractor Coverage

  • Admitted and non-admitted general liability coverage options
  • Commercial auto, including broadened coverage endorsement
  • Cyber liability coverage offered on every GL quote, with opt-out provision included and higher limits available
  • Enhanced equipment breakdown coverage, with sublimit and deductible options
  • Excess liability coverage
  • Inland marine coverage
  • Minimum $1,000 GL premium
  • New ventures can be considered
  • No added costs for additional insureds, primary wording, waiver of subrogation, and per project aggregate
  • No premium volume commitment
  • No requirements for producers to perform system input or rating
  • Occurrence form with no mandatory prior work exclusions
  • Property coverage, including broadened coverage endorsement

Landscaping-Specific Coverage

  • General liability-blanket A/I, waiver of subrogation, and per project aggregate all included
  • Landscapers property coverage extension
  • Landscaper services workmanship error—property damage included
  • Pesticide and herbicide coverage included
  • Various per occurrence deductible options

For more information, download our flyers.

Key Contacts

Leslie Wilson

Senior Vice President

Norman Eide

Vice President, Information Systems

Michelle Kirk

Senior Underwriter

Shanna Thompson

Underwriter

Get a Quote

Submissions

MiniCo accepts submissions from licensed retail insurance agents and brokers without a producer agreement in place. However, a completed and approved producer agreement is required for binding.

To request a producer agreement, email agencyrequests@minico.com.

Producer Requirements

  • Valid insurance license in your resident state and any state in which we would write business
  • Minimum E&O of $1 million/$1 million
  • Completed and approved MiniCo producer agreement

Submission Requirements

  • Completed ACORD applications for lines requesting quotes
  • GL Qualifier or competitor supplemental if it covers most or all of the same risk and exposure information
  • For GL, currently valued company loss runs for this policy period plus four prior years
  • For other lines, currently valued company loss runs for this policy period plus two prior years
  • Target premium for each line quoted (optional)
  • Brochures, website links, and other information about the prospective organization (optional)

Submit completed applications and supporting information to artisanpak@minico.com.

ArtisanPAK Supplemental Applications and References

General Liability Qualifiers

Other carrier contractor qualifiers or supplementals are acceptable for quoting GL business.

Individual Class Qualifiers

Renewal Qualifier

A new qualifier is required every three years. Submitting an All Classes New Business Qualifier or the General Information New Business Qualifier with the appropriate class qualifier(s) is also acceptable.

File a Claim

If you experience any problems or need claims support, please contact Leslie Wilson at leslie.wilson@minico.com.

GuideOne Claims & Loss Run Requests
HDI Global Claims & Loss Run Requests
QBE Global Claims & Loss Run Requests

GuideOne Claims

All claims for GuideOne Insurance Companies will be administered by GuideOne Insurance Claims. MiniCo Insurance acts as a claims facilitator and advocate for our brokers and insureds.

Submit GuideOne Insurance policy claims directly to GuideOneClaims:

Email: programclaim@guideone.com
Phone: 877-228-2788
Fax: 800-676-4457

When submitting a claim, please include an ACORD Loss form (preferred) or the policy number, name and address of the insured, and information about the loss details and involved parties including:

  • Accident date, time, and location
  • A brief description of accident
  • Name and contact information of the person reporting the accident
  • The main insured’s contact and contact information, including office and cell phone numbers

Once a claim is filed, you may contact GuideOne Insurance to receive your claim number and adjuster information.

GuideOne Loss Run Requests

Send all GuideOne loss run requests to lossruns@guideone.com. Please include the following information with your request:

  • Your name, email address, and phone number
  • Named insured, policy number(s), and policy period(s)

HDI Global Claims

Submit claims related to HDI Global and International Insurance Company of Hannover policies directly to North American Risk Services (NARS):

Email: reportaclaim@narisk.com
Phone: 800-315-6090
Fax: 866-261-8507

Include an ACORD Loss form (preferred) or the policy number, name and address of the insured, and as much information about the loss details and involved parties as possible. Remember to include contact information such as your name, address, phone numbers, and email address. An adjuster will review the claim information you provided and will reach out to you directly with next steps.

HDI Global Loss Run Requests

Forward HDI Global and International Insurance Company of Hannover loss run requests to:
lossruns@narisk.com or call 800-315-6090. Please include the following information:

  • Your name, email address, and phone number
  • Named insured, policy number(s), and policy period(s)

QBE Claims

For all QBE claims (Clarendon America Insurance Company, Praetorian Specialty Insurance Company, QBE Specialty Insurance Company, and Praetorian Insurance Company), the following applies:

  • QBE handles all prior and new claims. MiniCo Insurance (previously NIF Claims Services and HDR Insurance Services) has transferred all contractor claims to QBE.
  • Forward all loss notices and other documents related to claims directly to QBELossRuns@enstargroup.com.
  • QBE will send a letter to the insured, broker, and claimant, advising them of the adjuster handling the claim file.

For expedited service on all new QBE claim inquiries, call 800-362-5448 and follow the prompts provided. To speak to someone directly regarding an existing claim, enter extension 603325. Be sure to mention that you have an existing MiniCo Insurance (or NIF or HDR) claim.

QBE Loss Run Requests

Send all QBE loss run requests to QBELossRuns@enstargroup.com. Please include the following information with your request:

  • Your name, email address, and phone number
  • Named insured, policy number(s), and policy period(s)

Payments

Our premium payment plans cover GL, auto, property, and IM, and they provide significant cash flow advantages for contractors. After posting a security deposit, premium is payable monthly. The security deposit simply rolls over at policy renewal, saving the insured the hassle of another premium deposit or premium down payment, often 25% of their annual premium. Contractors may utilize the GL “pay as you go” class reporting or the convenient fixed monthly payment plan. For your convenience, we offer e-signatures and paperless billing.

Make a Payment with Secure Vcheck

  • Click the Vcheck link.
  • Enter your check information via an easy-to-use secure online form.
  • The Vcheck system produces an instant, printable receipt that resembles your check.
  • A confirmation email is sent to you instantly.
  • A new check notification message is instantly sent to MiniCo Insurance.
  • MiniCo logs into the secure Vcheck system and prints your check.
  • MiniCo deposits the check.
  • MiniCo’s bank processes your Vcheck as a “Demand Draft” or “Sight Draft.” (This is a common banking activity.)