One and two crew shops
You are not a regional contractor and you should not be paying like one. But you also cannot skip coverage the contract requires.
Get a small-shop quoteThese are the four most common ways a small shop pays more than it should.
Yes. First-year contractors are placed regularly, often with a surplus lines carrier until there is a track record.
A pay-as-you-go or monthly reporting policy handles that without an audit surprise.
Usually yes. A personal auto policy will not cover a vehicle used for business, and it will not cover the tools inside.
Report payroll accurately instead of over-insuring on a guess
Match the classification to the actual work rather than the broadest one
Carry the limits the contract requires, not the highest available
Bundle general liability and workers comp where a carrier offers a credit
State minimums rarely satisfy a contract. We quote to the contract, not the statute.
Lower minimum premiums for new and small contracting businesses.
Payroll and classifications adjust as you add crews, without starting over.
Optional inland marine for tools and equipment, on and off site.
Tell us the basics and we will keep the recommendation honest.
