We insure roofers all over the State of Florida. We have access to the most
competitive markets for your insurance needs. Click on the sentences below for
more information.
Online quote forms are listed under "How do I get a Quote?"
Recent Sucess:
General Liability / Sarasota
1,000,000 / 2,000,000
Coverage - Payroll 37,700 /
100,000 Sales
Current
Policy: 8,000 Our Quote: 5,500 Client saved $2500 a
year!
General Liability /
Wauchula 500,000
/ 1,000,000 Limits Payroll 31,700 / 145,000 Sales
Current
Policy: 7,500 Our Quote: 5,448 Client Saved $ 2,052.00 a
year!
What does it cover?
Who requires Liability?
How is the premium calculated?
How do I get a quote?
What does it cover?
General Liability covers property damage and
bodily injury losses caused to others as a result of your work. It does not
provide coverage for poor workmanship. Roofers should pay special attention to
the water damage endorsements, deductibles, policy forms and any special
limitations. Some policies exclude damage to "Open roofs" or limit the coverage
provided to roofing work in progress. That means no coverage while you are
roofing. That is a very dangerous risk to not insure. The extra cost is small
compared to the risk, unfortunately some roofers do not even know they lack the
coverage. There are many things to consider when looking for liability
insurance. Get a comparison quote online now -
Click here to get started.
Click Here
to get a Quote.
Brown Insurance Inc.
Venice, FL. 1-800-493-1886 Ext 303
Noel Brown
Back to
Top of Page
Who requires it?
Builders and
contractors require General Liability coverage to work on their jobs. Florida Counties also
require proof of coverage in order to issue permits. We often have homeowners
call us to verify liability coverage. We welcome those calls, so licensed and insured
Florida contractors can get the work they deserve. And Florida business
and homeowners can get the protection they need in case there is a problem with
the contractor, a problem that insurance could have solved. New businesses can
usually get a competitive rate by providing a resume that shows field
experience.
Click Here
to get a Quote.
Back to
Top of Page
How is the premium calculated?
There are two
common ways insurance companies calculate your premium - Sales or Payroll based.
With sales based, regardless of your payroll the carrier bases its price per
1,000 of your gross annual sales. Payroll based policies may ask for your sales
figures, but are rated on the payroll you report. Which is better? It
depends on your profit margins, most times there is little difference. It is
however important to make sure these figures are as accurate as possible. Almost
all policies are audited. Additional premiums may be due if you under estimate.
We like to touch base with our roofers and make sure projections are in line. It
can be frustrating, if it not explained to you properly. Most roofers we speak
with have never been given details as to how the process works, until of course
it is to late and they have a large bill in hand. We can help you avoid audits,
buy clearly letting you know how your policy is based. We are here year round to
discuss your policy and where you may stand for the policy year. If you
ever question where you stand please call our office, we will be glad to discuss
your rates and audit information.
Get a quote online by clicking here.
Click Here
to get a Quote.
Back to Top of Page
How
do I get a quote and how long does it take?
Click below for a secure online quote form - only
takes a few minutes to complete.
Does your Insurance renew in a couple of Months?
Not Renewing
Soon? Click here for a simple reminder email closer to your renewal.
Quotes can be
obtained in one week. If you are a new company, a resume on the owners is always
helpful to have. Operating companies should get quotes started about 30 days
prior to your renewal. The more time we have the more companies we can approach
to get you quotes from. If your renewal is within the next 30 days, please
complete the online application. If it is further away - please complete the quick
reminder form both are at the top of this page.
