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    Contact Info:
       
   Appalachian Underwriters, Inc. 
   Commercial Specialty (E&S) 
   800 Oak Ridge Turnpike,
   Suite A-1000
   Oak Ridge, TN 37830
  
   Phone: 888.376.9633 #5
     

  



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General Contractors subcontract out 20% or more of their work. Generals will not specialize in any particular part of the work, instead they will use subcontractors to provide the expertise.

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Artisans do all their work or sub out less than 20% of their work. Artisans will have a specialty like plumbing, electrical, carpentry or drywall.

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