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3 Ways an Independent Insurance Agent Can Provide Solid Coverage For Your Flatwork Contractor Business!
Your flatwork business puts food on the table and keeps a roof over your head. It’s your livelihood! It is important to make sure it is properly protected from many of the things that can go wrong when owning a business. Here are 3 ways an independent insurance agent can provide solid coverage for your flatwork business!
1.) They’re local and accessible.
Owning a flatwork business isn’t easy. Whether it’s drawing up plans for a job, trying to keep your crews staffed, or laying the actual concrete, your schedule is packed. You know insurance is crucial, but you don’t have the time to learn about each coverage to know what coverages you need or what potential gaps in coverage you may have. This is completely normal and is a challenge many contractors face. This is why you need to have a local independent insurance agent. They are members of your community, maybe even a customer of your business. Not only are you able to walk into their office to talk about your business’s insurance needs, but they are also able to walk into yours! When you combine their insurance expertise as well as their accessibility, it allows them to find your business a policy that has the right MIX!
2.) Your business is unique, and your insurance policy should be too.
Not every concrete business has the same types of jobs, vehicles, and tools. Your flatwork business is specialized. It has its own unique insurance risks. A cookie-cutter business insurance policy might work for some businesses, but not for most. Let's say you just poured a driveway, but you forgot to check the weather forecast. A storm blows in and the rain and hail create pit marks in the concrete that can't be smoothed out before curing. Now, the driveway needs to be replaced.
3.) They will be there when you need them.
As a business owner, you know that sometimes things go wrong. Even the most experienced and knowledgeable flatwork contractors, still have issues arise. When claims occur, they can, and will significantly impact your business operations. For example, let’s say your apprentice got injured on the job site and is unable to work for an extended period. This injury has cascading impacts and can be very costly. It puts your current job timelines in jeopardy and possibly future work. You may need to find a temporary replacement and train them, not to mention file a worker’s compensation claim. Luckily an independent agent can help you navigate the claims process and also work with you to identify a risk mitigation plan. They will proactively support you by performing risk assessments and then work with you to develop the necessary workplace safety program(s) that in the end protect your workers, clients, and business.
Your business puts food on the table and keeps a roof over your head. You want to work with an agent and carrier who takes the responsibility of protecting that seriously. Mt. Carroll Insurance is a relationship-focused company and it’s why we partner with local independent agents. It allows us to provide you with the right coverage for your flatwork business and makes sure you can rest easy knowing that both your agent and Mt. Carroll Insurance will have your back if something goes wrong.