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Services

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. Unfortunately most 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 policies 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. We offer carriers who do not have the Sub Work exclusion, and carrier who offer FLAT, non auditable policies.
Bonding/Surety
Offering a wide variety of Bonding/Surety programs and options, along with difficult to place Sub-Division bonds.
Package/Auto
This area of insurance is very straightforward, and we have over 30+ carrier options for your Property, Auto, Crime, and other ancillary coverage needs.
Umbrella/Excess
The majority of Home Builder and REI operations can not get access to additional limits of coverage. And most Home Builder/Renovation General Liability carriers do not offer Umbrella/Excess policy options. In addition to offering Umbrella/Excess over Construction related risks, we can provide Umbrella/Excess options over Residential Home Builder and REI accounts.
Inland Marine
A wide variety of products and coverage options available. For as little as $ 525, we can offer a BLANKET policy covering ALL of the following with a $ 100,000 limit and a $ 1,000 deductible: Contractor’s Equipment, Tools, Employees Tools, Rented & Leased Equipment, EDP (Computers), and Installation coverage.
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.

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