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Tip Sheet:
“Artisan and Business Use”Levels
Artisan use applies to vehicles used by skilled tradespeople (like plumbers, electricians, carpenters, etc.) to carry tools, equipment, or materials to job sites.
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Driven to and from multiple job sites during the day.
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Typically used by the owner.
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Not used for delivering goods or carrying passengers for hire.
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Often returns to a home or main base each night.
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Tools or equipment are usually kept in the vehicle.
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A plumber driving a van with tools to different client homes.
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A roofer transporting materials and ladders to job sites.
Business Use
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Driven by the policyholder for business-related tasks.
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Includes travel to multiple business locations in a day.
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No carrying of heavy equipment or tools regularly (that would be artisan or commercial).
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Often used by sales reps, consultants, realtors, or professionals who use their car to go to different offices or meetings.
for Example:
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A manager driving between company locations.
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A lawyer traveling to court or client offices.
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Mary Kay, Pricess House Sales
- real estate agent driving to multiple properties.