As an artisan contractor in Maine, you know every job is unique. From custom carpentry to detailed painting, your work is more than a livelihood—it's your craft. But along with the pride of a job well done comes the potential risks of running a business. That’s where Sevigney Lyons Insurance Agency steps in. Based in Wells, Maine, and serving surrounding communities like Kennebunk, Ogunquit, and Biddeford, we understand artisan contractors' challenges. We are here to provide customized insurance solutions to protect your hard work.
Whether you're an independent contractor or manage a small team, we help safeguard your business, tools, and reputation with affordable, comprehensive insurance policies. Contact us today for a personalized quote and see how easy it is to get peace of mind for your business.
If you’ve ever spent a winter working in Maine or navigated unexpected delays due to a summer storm in Wells or Biddeford, you know unpredictability is part of the job. But beyond weather challenges, being an artisan contractor means dealing with the following:
Accidents happen, whether it’s a broken tool, a customer injury, or damage to property during a project.
A small mistake, like an improperly installed fixture, can lead to costly lawsuits.
Your tools are essential to your livelihood. Replacing them can be a significant financial burden if stolen or damaged.
Many contracts require proof of liability insurance before you can even start work.
Without insurance, one unexpected event could derail your business. At Sevigney Lyons, we specialize in helping artisan contractors in Maine find the right coverage to protect their business and stay compliant.
At Sevigney Lyons Insurance Agency, we don’t believe in cookie-cutter policies. Instead, we work with you to create a plan that fits your needs. Here are some of the common coverages we recommend for artisan contractors in Maine:
This essential coverage protects you if you’re held liable for injuries, property damage, or other accidents that occur on the job. For example, if you’re a carpenter in Kennebunk and a customer trips over your tools, general liability insurance can cover medical costs and legal fees.
Your tools are an extension of your craft. If your equipment is stolen or damaged, this coverage helps repair or replace them so you can return to work quickly.
If you have employees, Maine law requires workers’ compensation insurance. This protects your team and business by covering medical expenses and lost wages if an employee gets injured.
Many artisan contractors use vehicles to transport materials and tools between job sites. If you’re driving through Biddeford or Ogunquit for work, commercial auto insurance ensures you’re covered in case of an accident.
Also known as Errors and Omissions (E&O) insurance, this coverage protects you against claims of negligence or mistakes in your work. For instance, if you’re a plumber in Wells and a client accuses you of installing faulty pipes, this policy can help cover legal fees and settlements.
Artisans are skilled professionals who bring creativity, precision, and craftsmanship to every project. Unlike general contractors, artisans specialize in specific trades that require a deep understanding of tools, materials, and techniques. Their work often involves attention to detail, hands-on expertise, and a personal touch that sets them apart.
In artisan contractor insurance, an "artisan" typically refers to individuals or small businesses performing specialized trade work. These professionals work across various industries and are integral to creating and maintaining homes, businesses, and public spaces. You're likely considered an artisan if your job relies on skill, craftsmanship, and specialized knowledge.
Here are examples of trade classifications identified as artisans:
• Carpenters: Creating custom woodwork, framing, and cabinetry.
• Masons: Specializing in stone, brick, or concrete work.
• Roofers: Installing and repairing roofs with precision and care.
• Electricians: Handling electrical systems in homes and commercial properties.
• Plumbers: Installing and maintaining water systems, including fixtures and piping.
• HVAC Technicians: Working on heating, ventilation, and air conditioning systems.
• Painters: Providing interior and exterior painting services, often with an artistic touch.
• Tile Installers: Crafting beautiful, durable surfaces for kitchens, bathrooms, and more.
• Flooring Specialists: Laying hardwood, laminate, and other flooring with precision.
• Welders: Creating functional and artistic metalwork.
• Glass Installers: Designing and fitting windows, mirrors, and custom glass pieces.
• Landscapers: Blending artistry and science to create stunning outdoor spaces.
Artisans often work independently or as part of small teams, which means their success relies on their reputation, skill, and ability to deliver quality results. Such specialized work comes with unique risks, from damage to a client’s property to the theft of essential tools. That’s why having the right insurance is so important.
If you’re working in one of these trades—or any other specialized craft—you’re an artisan in our book. At Sevigney Lyons Insurance Agency, we understand the dedication and effort it takes to excel in your trade, and we’re here to help protect your livelihood with tailored insurance solutions.
At Sevigney Lyons, we’ve been serving Maine’s communities for years and take pride in helping local businesses thrive. When you choose us for your artisan contractor insurance, you’re not just getting a policy—you’re gaining a partner who understands your craft and cares about your success.
Based in Wells, we know Maine’s unique challenges, from seasonal storms to state regulations. Whether you’re working in Ogunquit, Biddeford, or Kennebunk, we tailor your coverage to your needs.
We believe in building relationships, not just policies. Our team takes the time to get to know your business and craft, ensuring you get the right coverage without paying for extras you don’t need.
We work with top insurance providers to find affordable options that don’t compromise quality. Protecting your business shouldn’t break the bank.
From getting a quote to filing a claim, we make the process simple and stress-free. Let's focus on your work, knowing your business is protected.
Protecting your artisan contractor business has never been easier. Here’s how you can get started with Sevigney Lyons:
Give us a call or fill out our online form to get started. We’ll ask a few questions about your business and craft to understand your needs.
One of our experienced agents will walk you through your options, explaining the benefits and costs of each policy. Whether you’re a Kennebunk painter or a Biddeford mason, we’ll help you find the perfect fit.
We’ll tailor your insurance plan to include only the coverage you need—nothing more and nothing less.
With your policy in place, you can focus on what you do best: creating beautiful, high-quality work for your clients.
Artisan contractor insurance is a specialized coverage designed for skilled tradespeople, such as carpenters, electricians, plumbers, and painters. It protects your business against liability claims, property damage, and equipment loss. Whether working in Wells, Kennebunk, Ogunquit, or Biddeford, having the right insurance ensures you can focus on your craft without worrying about unexpected financial setbacks.
Common coverages include:
Protects against claims of property damage or injuries caused by your work.
Covers the repair or replacement of essential tools.
Required in Maine if you have employees covering workplace injuries.
Insures vehicles used for your business.
Covers mistakes or oversights in your work. Each policy is customized to fit your specific needs as a contractor.
Yes! If you’re a one-person operation, risks like accidents, equipment theft, or liability claims can impact your business. Artisan contractor insurance provides essential protection, so you’re not financially vulnerable if something goes wrong.
The cost of insurance depends on several factors, including:
While general liability insurance isn’t required by Maine law, securing contracts is often required. Workers’ compensation insurance, however, is mandatory if you have employees. Proper coverage also helps demonstrate professionalism and gives you a competitive edge.
If you have tools and equipment coverage, your policy can help cover the cost of replacing stolen or damaged items. For instance, if your tools are taken from a job site in Ogunquit or your work van in Biddeford, you won’t have to bear the out-of-pocket replacement cost.
Getting a quote is easy! Contact Sevigney Lyons Insurance Agency by calling us or filling out our online form. One of our friendly agents will guide you through the process, ensuring your policy is tailored to your trade and needs. Whether you’re in Wells, Kennebunk, or anywhere in Maine, we’re here to help protect your craft.
Ready to protect your contractor business with comprehensive coverage? Contact Sevigney Lyons Insurance Agency today for a free Artisan Contractor Insurance quote tailored to your unique needs. Our team of experienced insurance professionals is here to help you find the right coverage for your property, ensuring the safety and security of your investment and all its residents.
For the best in artisan insurance in Maine, including communities like Wells, Kennebunk, Ogunquit, and Biddeford, Sevigney Lyons Insurance Agency is your trusted partner. Let us help you secure peace of mind with a policy designed to protect your valuable assets and provide confidence for you and your residents. Get a Free Artisan Contractor Coverage Insurance Quote Today!
