Insurance is supposed to be there when you need it. Are you covered?

1. Insurance is important and covers us when things go wrong
   1. We covered W/C, today is about other insurances
      1. General Liability / Errors & Ommissions / Property / Etc.
   2. Covers us in catastrophic events
   3. It keeps us in business
2. Making sure we are covered properly is important
   1. We rely on our agents to do this
   2. Are you covered if?
   3. Are you paying a fair price?
3. How can we as contractors possibly know all about insurance
   1. We can’t know it all so we rely on agents
   2. Our job is to ask questions
   3. Make sure our agents understand our business
   4. Make sure our agents are doing their job and getting us quotes