We always provide the most competitive rates and coverage the industry has to offer to all types of contractors. Free Certificates of insurance with same day turn around time. All of our general liability carriers deal ONLY with contractors.

What insurance quotes are too high for your Agency?

Many other agencies handle insurance for all different types of businesses. Their "niche" industries are not usually contractors and therefore are not able to rate competitively for contractors.

How can people avoid paying too much insurance and be covered?

Having an agent who is willing to sit down and visit a policy line by line with you and ensure two things: one, to make sure you are covered for what you specifically need; and two, to make sure that the things you need to be covered for are not covered excessively (if you have a $20,000 tools limit but you only have $10,000 worth of tools, why pay for the extra $10,000?).

What mistakes do people make when getting insurance?

In the contracting industry, too many people shop on price alone. Now price is important, but when your general contractor needs a certificate of insurance naming them as primary non-contributory additional insured and a completed operations endorsement, and they need it today to pay you, are you sure your policy has those forms available? Are you sure your insurance agent can get those for you today? We can. 

What type of insurance are you offering?

As we stated before, we cover all types of contractors, including the more hard to place risks like roofing, sand blasting and pressure washing. We also cover risks that have a history of claims. Often, clients with big losses in the last five years find that our "Contractors Only" approach to writing insurance saves them THOUSANDS over other carriers.

What costs and fees are involved?

We do not have any charges that are not normally associated with a contractors liability policy. Often, however, we find that the down payment required to start a policy is more than the monthly payment, but to help business owners deal with this we accept credit cards, debit cards and checks to make starting the policy more of an easy process. Most agencies only accept checks.

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