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 Business interruption insurance helps replace lost income when a covered loss forces a contractor’s business to slow down or temporarily stop operating. For contractors, it can help with lost net income and certain ongoing operating expenses, but only when the shutdown is tied to direct physical damage from a covered cause of loss and the policy terms are met.
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 Liability insurance limits determine the maximum amount your contractor policy may pay for covered third-party bodily injury, property damage, and certain legal costs. For artisan contractors, choosing the right limits matters because even a single serious claim can exceed low policy limits and leave the business exposed.
 Builders risk insurance helps protect materials, fixtures, and work in progress during construction, renovation, and installation projects when property is damaged by a covered loss before the job is complete. For artisan contractors, it can be especially important during remodels and installs because a single fire, theft, storm event, or water loss can damage partially completed work and create costly delays.
 Roofers face some of the highest jobsite injury and liability exposures in contracting, which is why both fall risk and stronger liability limits matter so much. Standard minimum coverage is often not enough when the work involves heights, serious injury potential, property damage, and the possibility of large third-party claims.
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Downtown Coleman, Texas photo by Renelibrary | CC-BY-SA-4.0
Downtown Phoenix photo by DPPed | CC-BY-SA-3.0