INSURANCE TIPS FOR AFA MEMBERS

6 ways to get the most out of your policy

AFA members have unique needs, and finding a policy that fits your business is integral to your long-term success. Here are six tips, custom-built to meet the needs of AFA members.

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1. Watch Out for Residential Exclusions

Many general liability policies have an exclusion that doesn't allow you to work on any type of residential building, including:

Single-track homes
Apartments
Single-family homes

There may also be restrictions on geographic areas and types of work that can be done.

AFA Insurance Advantage

AFA general liability policies don't include these restrictions and can give you the peace of mind and flexibility to move from commercial to residential projects on an as-needed basis.

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2. Expand Your Additional Insured Coverage

General contractors and project owners require contractors to name themselves as additional insureds on their general liability policy, but many insurance carriers have tried to limit losses by excluding coverage for ongoing and completed operations for additional insureds.

AFA Insurance Advantage

AFA Insurance provides this all-important wording to give you broad coverage and keep you competitive.

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3. Make Sure Your Policy Covers Everything You Do

Many policies exclude any type of work you don't list on your application, forcing companies to warrant the type of construction they do.

For example, if you complete an insurance application and state that you only handle installations, you may not be covered for any other type of work, such as design modifications to fencing.

AFA Insurance Advantage

AFA policies protect members from innocent or minor omissions that could cause a carrier to deny coverage. Because AFA brokers specialize in the fence industry, they know the type of coverage you need and cover any type of work you do.

They create policies to minimize gaps in coverage and make sure you're protected.

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4. Broaden your Coverage

You don’t want to find out your coverage is too narrow after you have filed a claim. Many times, you can broaden your coverage with little or no extra cost. For example, general liability can be written with a $5 million aggregate limit, and most policies have a $0 deductible.

AFA Insurance Advantage

You can add additional coverages in your policy with minimal or no additional costs, including:

workers' compensation
commercial auto
property/inland marine
umbrella
employment practices liability
surety bonds

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5. Look for savings

Quality insurance coverage doesn’t have to break the bank. In fact, most AFA members see a significant reduction in insurance costs with AFA Insurance.

AFA Insurance Advantage

Since the policy is designed specifically for the fence industry, it is lean and mean on costs but customized for your business, so you get the best value for your buck. It’s built to cover all of your risks and negotiated to save you money on premiums.

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6. Talk to the experts

If your insurance carrier doesn’t understand your unique business needs, why are you working with them? Whether it’s a quick response to a phone call or a painstaking follow-up to a claim, AFA Insurance is run by specialists who understand your industry and provide in-depth consulting on risks.

AFA Insurance Advantage

AFA is the only program that is made to specifically help and provide coverage for the fence industry. This means that AFA members receive customized insurance coverage and wise counsel on ways to:

Minimize Risks

Reduce Claims

Keep Premiums Low

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Download Insurance Tips for AFA Members

Complete the form below to access our PDF outlining the 6 ways you can get the most out of your insurance policy.

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