Mike Stelljes
Real Estate Investor, Home Builder, and Construction Insurance
Helping You Achieve Success By Reducing Your Risk
My Risk Management And Insurance Services Are Exclusive And Flexible For Real Estate Investors, Home Builders, And Contractors
Are you a REI, Home Builder, or Contractor? If yes, you know the importance of managing your risk and cost. The goal is to provide clients with the tools and products to navigate the often confusing and neglected area of their business: insurance. Offering clients flexible options, specific to their needs instead of a boxed, one size fits all program. In short, a what keeps you up at night approach to managing risk.
- A wide variety of A rated AM Best carriers, offering comprehensive programs for Home Building, Residential and Commercial General Contracting, Renovation and Remodeling, Flipping and Wholesaling, and other Construction industry Operations.
- Risk Management Consulting for Companies wanting a comprehensive review of their overall insurance program. A second opinion without the obligation to change agents/brokers.
- Exclusive program offerings with carriers no other agents/brokers have access to.
- Contracts with carriers most agents/broker do not have access to directly or indirectly.
- Bonding/Surety for Builders, Developers, Utility and Street & Road Contractors, and General Contractors. Sub-Division bonds are very difficult, and we represent carriers who will provide these hard to secure bonds.
Risk Management & Insurance Products
Product Packages Unique To Contractors, Builders And REI
General Liability
Offering carriers who do not exclude Work Performed by Subcontractors or exclude prior work/acts. The majority of carriers have one or both exclusions in their policy forms. In fact, a vast majority of the General Liability policies I review have the Sub Work exclusion.
Builders Risk
Providing Single Shot, Blanket Monthly Reporting, and our most popular Blanket Annual Reporting policies. Our Builders Risk policies are comprehensive and provide coverage such as Theft, Flood & Earthquake, Wind within 1000 feet of the Coast, Soft Costs, Profit, Specs with no vacancy provision, and coverage on Homes until they are sold (not when CO is received, the point when most Builders Risk polices cease). Lower rates, less paperwork, broader coverage. The best of all aspects!
REI/Wholesale/Renovation Builders Risk
Offering an exclusive program with a carrier no other agent/broker in the Country has access to: BLANKET Annual Reporting. All the coverage as outlined under the BUILDER RISK product tab, but do not have to report additions or completions on a monthly basis. Not only do we reduce the hassle of paperwork, we turn your Builders Risk into a FIXED COST vs not knowing your actual cost until you complete the project and get it off your books. One, 5 minute annual “true up” at the end of the policy period and you are done!
REI/Wholesale/Renovation General Liability
99% of General Liability policies will exclude Work Performed by Sub Contractors or exclude Products/Completed Operations entirely. Having nothing more than a Premises Liability policy for slips and falls greatly increases liability risk.
Bonding/Surety
Package/Auto
Umbrella/Excess
Inland Marine
Cyber Security
The cost of a cyber event may be significant; even for a very small business. Traditional insurance was not designed for these types of risk. What will you do if your computers are infected with ransomware? What if a law enforcement entity contacts you, indicating that they believe your computers have been compromised by foreign hackers? Do you have a plan? Most business owners don’t, so you are not alone. The good news is that there is now a solution to this cyber-attack problem. It’s called Cyber Insurance. Click Here to learn more, or contact me directly at 704-779-1582.
To Learn More, Download PDF Here
Client Reviews
What My Clients Have To Say
“Mike earned our business on multiple policies in Tennessee and the Carolinas after we realized that he truly cares about our best interests. Mike provides great guidance and ensures we get the best rates and coverage possible.”
“Mike got into the details of our business, understood it, and then offered us a superior package at a lower price point than our current agent! That’s service!”
“We moved our insurance business to Mike in 2016 and he quickly saved us thousands of dollars. He has a strong understanding of the building business and is current on all of the new insurance products in the marketplace.”
“Our insurance needs are complex due to being a home builder as well as a land developer. Mike has taken the complicated and made it easy for us to understand and more importantly Mike’s service is above all! Having an expert insurance advisor who understands construction is incredibly important four our peace of mind and this is exactly what Mike is.”
“Finally, someone that knows what they’re talking about in Insurance. It’s so refreshing to speak to the expert on real estate investing insurance. I have been so impressed with Mike’s knowledge, products available, pricing, and transparency throughout this process. It’s been a breath of fresh air. Thank you, Mike.”
“Mike is an invaluable member of our strategic trade partner group. He is always looking for ways to help Eastwood mitigate the everyday risk of building homes while at the same time being concerned about the increasing cost of insurance.”
“We are very thankful to the person who referred us to Mike…”
“I thought there was no way that I could get better insurance coverage, and there was no way I could get it for cheaper. Wow, was I wrong! He just about cut our cost in half and gave us at least twice the amount of coverage. We realized how unprotected we were before Mike came in. Not only was the coverage and pricing better, but his policy takes me a fraction of the time to manage my builder’s risk by having one blanket policy vs individual policies. We are very thankful to the person who referred us to Mike, and we have passed his name on to many who have had the same experience as us.”
About Mike Stelljes
Risk Management Consultant
Proudly serving the Insurance Risk Management needs of Home Builders and the Construction/Contractor Industry since 1993.
Each insured has specific needs, and my focus is to tailor an insurance program around those needs. While cost is important, ensuring each client has proper coverage is paramount.
The total cost of any insurance program is not just what a client pays in premiums. Gaps in coverage, high deductibles, and coverage endorsements/exclusions limiting coverage can and will create significant additional costs to any insurance policy. My goal is to provide the best possible solution at the lowest possible cost.
My track record speaks for itself, which is why I am proud to represent over 400 Home Builders, REI, and Contractors in 42 states across the nation and I am licensed to provide risk management products and services in 44 states.
Don’t wait, contact me today and let’s get started!
“I represent over 400 Home Builders, REI, and Contractors in 42 states.” -Mike Stelljes, Risk Management Consultant
Phone: (704) 779-1582
Email: mstelljes@lowryassoc.com
Helpful Resources
Helpful Risk Management & Insurance Resources
Mike Stelljes, Risk Management Consultant
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