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Search: Posts Made By: FarmerBrown
Forum: Farmer Brown Insurance Agency 11-04-2018, 03:38 PM
Replies: 0
Views: 151
Posted By FarmerBrown
Handyman insurance what is it and why should i have it?

In its most basic form, Handyman insurance protects third parties, such as homeowners you are doing work for damages caused by you to their property or other peoples property. This also would include...
Forum: Farmer Brown Insurance Agency 09-18-2017, 02:01 PM
Replies: 208
Views: 18,687
Posted By FarmerBrown
I understand how important this is. If federal...

I understand how important this is. If federal law changes and legal pot use becomes the law of the land, It would not be surprising if our transportation infrastructure continues the standard of no...
Forum: Farmer Brown Insurance Agency 09-17-2017, 07:58 PM
Replies: 208
Views: 18,687
Posted By FarmerBrown
Marijuana and the Workplace

404009

Twenty nine states and the District of Columbia have medical marijuana laws. There are at least fifteen other states with marijuana legislation making its way to a governor’s desk. Eight...
Forum: Farmer Brown Insurance Agency 09-14-2017, 07:59 PM
Replies: 7
Views: 2,560
Posted By FarmerBrown
thanks...sounds like you've been remodelling for...

thanks...sounds like you've been remodelling for a while now. Ever do any tornado damage repair?
Forum: Farmer Brown Insurance Agency 09-14-2017, 07:55 PM
Replies: 7
Views: 2,560
Posted By FarmerBrown
looks that way!

looks that way!
Forum: Farmer Brown Insurance Agency 09-09-2017, 10:59 AM
Replies: 7
Views: 2,560
Posted By FarmerBrown
Workers Compensation for Contractors

http://i.imgur.com/GmkIuPI.jpg


Workers compensation is overlooked by most contractors in the fact that it is illegal not to have it for your employees in every state but Texas. (There is a...
Forum: Farmer Brown Insurance Agency 08-31-2017, 09:02 AM
Replies: 0
Views: 1,321
Posted By FarmerBrown
Your Credit Report and Your Auto Insurance Rates

http://i.imgur.com/AQnJjRF.jpg

Did you know most auto insurance carriers use your credit report as the most important tool for setting premiums? Obviously, people living check to check who’ve...
Forum: Farmer Brown Insurance Agency 08-21-2017, 02:24 PM
Replies: 0
Views: 1,432
Posted By FarmerBrown
Buying Builders Risk Insurance Made Easy

http://i.imgur.com/k7PzeTh.jpg


Builders risk insurance is one of the easiest types of insurance there is to explain. It is generally one type of coverage – Property. This means the only thing...
Forum: Farmer Brown Insurance Agency 07-10-2017, 09:45 PM
Replies: 3
Views: 2,635
Posted By FarmerBrown
Thanks for responding! Payroll is the standard,...

Thanks for responding! Payroll is the standard, but they do have different payroll class-codes to help sort the different risks. One way to lower your workers comp bill is to have no claims. Do you...
Forum: Farmer Brown Insurance Agency 05-02-2017, 05:34 PM
Replies: 16
Views: 2,730
Posted By FarmerBrown
Employee or 1099? 5 tips to correctly identify independent contractors from employees

Employee Classification: The basics
In most states, if you have employees you need workers compensation. Simple enough, but how is one assured they have accurately identify an employee vs. an...
Forum: Farmer Brown Insurance Agency 04-07-2017, 07:55 PM
Replies: 3
Views: 2,635
Posted By FarmerBrown
Break down of contractors Workers Compensation Insurance: Where is the value?

As a Contractor, you are well used to the unknown as far as weather, delays in supply delivery. An employee getting injured on the job can be the most disastrous. Some risks can be covered, and some...
Forum: Masonry 12-14-2016, 09:23 PM
Replies: 18
Views: 2,140
Posted By FarmerBrown
Truly, lol. Now I know who to contact if I need...

Truly, lol. Now I know who to contact if I need any kind of concrete grinding or modifying at my house!
Forum: Architecture & Design 12-14-2016, 11:23 AM
Replies: 22
Views: 3,357
Posted By FarmerBrown
mitrat, I think you've shed light on a topic that...

mitrat, I think you've shed light on a topic that most of us have allowed to slide into memory. When I was a kid growing up, Julius Caesar's dad and my dad used to . . . .

OK seriously though,...
Forum: Masonry 12-14-2016, 10:58 AM
Replies: 18
Views: 2,140
Posted By FarmerBrown
A question for the thread parent, and first I...

A question for the thread parent, and first I want to congratulate you on a job well done. The whole piece looks great. My question is this: how much could you have been on the hook for if it hadn't...
Forum: Business 10-18-2016, 04:01 PM
Replies: 15
Views: 1,567
Posted By FarmerBrown
The thing about bonds they are only needed if a...

The thing about bonds they are only needed if a municipal authority requires them like to pull a permit or to register. There are employee dishonesty bonds that will allow you to advertise that you...
Forum: Farmer Brown Insurance Agency 10-05-2016, 03:48 PM
Replies: 0
Views: 2,924
Posted By FarmerBrown
How To Get Your Company Bonded- Feel Free to ask Questions

BONDAGE (no not that type.)

Everyone has probably heard horror stories from other contractors about the hassle and aggravation of trying to obtain a bond. Well let me tell you I know a guy. He is...
Forum: Farmer Brown Insurance Agency 08-22-2016, 09:13 AM
Replies: 11
Views: 3,947
Posted By FarmerBrown
Yes..there is a rate for uninsured subs and...

Yes..there is a rate for uninsured subs and insured subs with the insured subs being about 1/5 the cost. You should also make sure you are not being charged for sub-contractors materials and only...
Forum: Farmer Brown Insurance Agency 08-22-2016, 09:11 AM
Replies: 11
Views: 3,947
Posted By FarmerBrown
HI Stevarino, You need an "if any" or "ghost...

HI Stevarino, You need an "if any" or "ghost policy" if working alone. I would just take them off payroll and keep on with your current employees. If your insurance company finds out you have...
Forum: Farmer Brown Insurance Agency 08-21-2016, 03:12 PM
Replies: 11
Views: 3,947
Posted By FarmerBrown
Depending on the work you are sub-contracting...

Depending on the work you are sub-contracting your numbers seem slightly high for most
GC policies we write seem to be .8% to 1.2%. There are very cheap policies available that have many exclusions...
Forum: Farmer Brown Insurance Agency 08-21-2016, 02:41 PM
Replies: 11
Views: 3,947
Posted By FarmerBrown
If you need help with your insurance for Monday,...

If you need help with your insurance for Monday, I would be glad to help. Enjoy the rest of your weekend!
Forum: Farmer Brown Insurance Agency 08-18-2016, 06:36 PM
Replies: 11
Views: 3,947
Posted By FarmerBrown
Insurance Quicksand - Employee VS Sub-Contractor

Do Not Get Caught in Insurance Quicksand -
The Quagmire of Employee Versus Sub-Contractor

Smaller contractors generally have a limited understanding of how classifying workers as either employees...
Forum: Farmer Brown Insurance Agency 08-18-2016, 03:19 PM
Replies: 14
Views: 2,593
Posted By FarmerBrown
Thank you everyone for your warm welcome! I will...

Thank you everyone for your warm welcome! I will be posting articles that I hope you find useful in your business in relations to insurance. Feel free to contact me any time if you have questions...
Forum: Farmer Brown Insurance Agency 08-18-2016, 02:15 PM
Replies: 14
Views: 2,593
Posted By FarmerBrown
Hi all, Thanks for the warm welcome! I'm...

Hi all,

Thanks for the warm welcome! I'm reading through your forum and will have something interesting for you soon!
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