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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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Many general liability policies have an exclusion that doesn't allow you to work on any type of residential building, including:
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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.
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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.
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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.
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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.
CA License No. 0C36861
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