Do you have the proper insurance coverage for your operations?

6

1. Importance of insurance
   1. The usual – minor accidents, theft, damage, etc.
   2. Catastrophic issues
   3. Protection from others – lawsuits, etc.
2. Construction has a lot of added parts and uniqueness
   1. Different parts of coverage like Auto / Inland Marine / Completed Opps / E&O / Etc.
   2. There are also riders people request and you should get as well
   3. Do you have the right carriers?
3. Navigate the minefield
   1. Don’t go it alone – unless you are just starting out, seek out an experienced agent
   2. Get an agent that really understands construction
   3. Do a full audit of your operations to make sure you are covered, check annually

Key Questions:

1. When was the last time you checked your insurance?

2. Does your agent know construction?

3. Are you covered properly?

Take-Action Items:

1. If you can’t answer yes to the opening question then get an audit done

2. Find an agent that knows construction

3. Contact me if you need any help with this