BUSINESS & PERSONAL INSURANCE

GENERAL LIABILITY

Protection

Companies that hire you want to be protected from a lawsuit. Any Damage you cause to a customer or their property. Can allow customers to file a law suite against your company or the company that hired you. Accidents and Faulty workmanship can cause a lot of damage and Expense. General Liability Reduces risk way down.

Getting Hired

Starting out inexperienced contractors don’t realize they can’t get hired for large well paying jobs without General Liability Insurance. Large companies wont take the risk on a company they are not familiar with. General Liability Coverage takes the risk way down.

Forms

*Certificate of Insurance* is the main General Liability form required by your employer *Waiver of Subrogation* is another. As well as other additional forms and coverage. If you have questions about forms or coverage contact us for information. Contact GSF Insurance

commercial Auto

Many new contractors are driving around with personal auto insurance that is not designed to cover a commercial vehicle. In truth they could be turned down for accident Claim due to non disclosure misrepresenting the vehicle use and classification. To be covered properly commercial auto insurance is needed. Not only will it cover your heavy duty truck, It can cover your tools and equipment and has much higher coverage availability. This coverage can be listed on your General liability Certificate which a large company may require of you. This may be a contract requirement for a successful bid on work. Personal auto policies do not supply the Million dollar coverage required for most bid contracts, and they don’t offer certificates to show this coverage. Please contact us for a Commercial auto quote!

WORKERS Compensation

Workers Compensation is not required if your workers are family members or subcontractors. That being said some companies want you to carry it anyway! or you just don’t get the job. So you can insure your family if necessary. If you have employees office help needs to be classified as such and is very low risk and affordable. If your employees are doing the work of let’s say some type of construction. Well that’s a much higher risk of Injury then office work. Since it is higher risk it is a higher price. Pricing on workers comp is based on a percentage of actual payroll paid. The percentage rates change due to the workers job description and risk. So a bridge builder is going to be a much higher risk percentage than an office worker. Payroll audits are done once or twice a year to verify payroll and your price is adjusted accordingly. We are here to help you through this process. So give us a call for a consultation.

Personal and Business Auto

Personal Auto coverage

we provide allows for one personal vehicle to be used and covered under the business class and coverage as well as being used for personal use. The Coverage and certificate requirements of one million dollars in coverage are not met under this type of policy. That being said a person starting out in business can add the family truck to the personal policy along with the other cars while using the business vehicle for business and personal use and be covered properly at personal auto rates. This is a good option if you don’t have requirements commercially to provide certificates of insurance required by say property management companies or to participate in bidding on a job with a general contractor. Contact us for a combined commercial-personal auto quote.

Home Insurance and Buildings

Homes and buildings

Are required to have an accurate rebuild estimate for proper coverage. For contractors and property managers, having an unoccupied property leaves it vulnerable to vandalism and theft. Trying to insure an empty or damaged property is not what an insurance company will do, but we can and we will insure! We can also cover supplies that are sitting on the site. Theft or fire and the building itself are properly insured.

RV Quotes

Utility trailers

These are Used to haul equipment of some type. Often placed in storage containers on the job site Where supplies are stored. Travel Trailers also have valuables inside. Both the work trailers and personal trailers carry supplies and equipment. The risk for equipment depends on the value and location. Equipment is generally broken down into small, medium& large categories of Tools and Equipment. More expensive tools require serial numbers, models, year and purchase price. Coverage for trailers is normally very affordable and equipment will vary depending on value. We Insure work and personal trailers, motorhomes, and all the toys. Contact us for a quote today!