Insurance

The agent told me that there are only 2 companies in the state that actually underwrite WC. This state is so screwed up on all insurance, no matter what type of insurance. I have bid on jobs that I could have done by myself, but I was still asked to carry WC on myself. The owners of the properties can require you to do this, in this sue happy world, you really can't blame them for wanting to cover their a$$.
 
The Insurance companies are working Underhanded with government agencies to destroy all small business.. You didnt k now that ??? LOL Man I guess Nationwide is no longer on my side.. I have got a quote from Joe Walters coming tommorrow I hope... Probabaly 2600.00 to 4000.00 a year.. Man you try to help Joe Q Public out by cleaning the vent hoods and inspecting fire equipment and your insurance company wants to grab at your wallet just like the IRS.. It's time for my prices to go up.. I think I will advertize in the Clarion Ledger paper that B&R has to raise the prices due to extreme fuel and overly expensive insurance cost.... Then warn the of low ballers and ask all customers to be on the look out for low cost companies that do not have insurance. I figure this year our cost will have to go up roughly 40%... Wonder how many jobs I am going to lose because I feel the need to be honest and have the right materials and insurance for my company.. ( America Rich get richer and poor get Taxed , Uninsured, and run out of Business ) I think also the biggest problem with owning your own business is that the IRS can't keep a close enough eye on you like the can if you were working at McDonalds ... LOL
 
where I am, the insurance companies dont actually have a category to put us under, so we had a choice concrete or window cleaning. Big difference in premiums. We pay 1100 per year for 3 mil. Is that great or what?
 
Insurance agents must be rich in my area , I have been waiting on two quotes for over a week (Friday will be two weeks). I called a Nationwide agent and all I need to do is write a check for My workers Comp but now he wont return my calls. What do I smell or something !

I needed to raise the liability limits on one policy that I have had and add an excess umbrella liability of 2 million with and additional 2 million aggregate on the unbrella , hummmmm no one will tell me what to write the check for , my Liability is with Joe Walters , talked to CheChe and she said Bonnie was handling it and no one will call me back ?

What would you do this is holding up 48 Shopping Centers ? I love the people there they are always so nice but Business is business and I need my insurance done
 
John , You need to be listed as SIC code classification 9014. And ask you agent to list you as JANITOR SERVICE BY CONTRACT . This is under this classification and is the best application definition they have. 9014 is huge, all kinds of stuff under it. But JANITOR SERVICE BY CONTRACT is the best description. Just like taking " Fire " out of your name. It just works better.
 
Russ Spence said:
Insurance agents must be rich in my area , I have been waiting on two quotes for over a week (Friday will be two weeks). I called a Nationwide agent and all I need to do is write a check for My workers Comp but now he wont return my calls. What do I smell or something !

I needed to raise the liability limits on one policy that I have had and add an excess umbrella liability of 2 million with and additional 2 million aggregate on the unbrella , hummmmm no one will tell me what to write the check for , my Liability is with Joe Walters , talked to CheChe and she said Bonnie was handling it and no one will call me back ?

What would you do this is holding up 48 Shopping Centers ? I love the people there they are always so nice but Business is business and I need my insurance done
Click to expand...
Russ call Bonnie back. There are two Bonnies in Joes office...whats the odds of that. They had to redew my insurance twice from 3 Million to then 4 Million which they werent happy because there dealing with underwriters but they got it done pronto. They'll take care of you. As for the workers comp here I have to deal with my state NYSIF which is not cheap. $7800 for the first $28000 made and $2000 for each employee.. All I had to do was cut them a check there cause all they really want is your money anyway..a rip in price but I still got the needed WC that I cancel every year in the winter here.
 
Got Insurance with Joe Walters Today 1016.44 They put vent hood cleaning/inspection on the policy.. Lucky me.. They would not finance so I had to choke up the whole amount .. Oh well ... Talked to Bonnie... They are going thru Colony Insurance ... Man Underwriters, insurence agents , State Tax, Terroist Clause ... What the heck .. I felt like I was buying a house.. Well anyway I am insured once again ...
 
im going through Joe walters. i have not had any claims, but they have been very responsive anytime i had any questions. got 1 million for around $800/year. they did not place me under pressure washer/ roof cleaning, but carpet cleaner (apparently there is not a code for roof cleaning). Im set as long as i stay 3 stories and lower.

Grant - "So for $450.00 you can pour water from a bucket as long as you stay on the ground?"

LOL
 
You must log in or register to reply here.
Back
Top