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My husband is an electrician and he recently expanded his small business by hiring two employees.  He has a great customer base and a solid reputation.  He takes a lot of pride in making sure that the customers are always satisfied.  He has taken insurance coverage very seriously and he has Artisan Contractors Insurance.  This policy covers a lot of things such as injury, damage to property and even theft.  I feel that it offers a lot of protection to him and it prevents him from paying an enormous out of pocket price.  He is doing quite well for himself and I am very proud.