| Professional Insurance has been insuring contractors since we opened our doors in 1960. Before you buy a policy from PIA or any other agency you really need to make sure you know what you are buying. Today's highly litigious society has lead to several changes to contractor's insurance policies.
Here are some areas where I find most agents leave you in the dark. Click on the questions for answers and more information.
- What does my policy exclude? Did you actual read a copy of the exclusions before you bought the policy?
- What is the cost for certificates of insurance and additional insured endorsements?
- What does it mean if my insurance company is NOT ADMITTED?
- Does your policy have a Per Project Aggregate? This endorsement gives you an aggregate limit per job you complete. Standard policies have an aggregate for all jobs. So the Per Project Aggregate definitely broadens your coverage.
In addition to those common questions I have also compiled information regarding policy forms, audits and general policy information you should know before you buy an insurance policy. Click here....
PIA represent over 30 insurance companies who insure contractors in California. We have a program from the very small to very large contractors. We can offer you general liability, workers compensation, auto, tools & equipment coverage and more.
Some of our recent success stories:
Carpentry Contractor, sole proprietor and one part time employee in San Francisco, employee payroll of $20,000, $1,000,000 of liability insurance, annual premium with A rated carrier only $2,195.
Janitorial Contractor account in Northern California, 5 years in business, $1,000,000 of liability insurance, $270,000 in payroll, annual premium with A rated admitted carrier $6,224.
Landscape Contractor in Sunnyvale, new in business, no employees, $1,000,000 of liability insurance, annual premium with A rated admitted carrier $975. INCLUDES HERBICIDE & PESTICIDE APPLICATION, PLUS ERRORS & OMISSIONS COVERAGE!
Electrical Contractor in San Francisco, 2 years in business, no employees, $1,000,000 of liability insurance, annual premium with A rated admitted carrier only $950.
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