Grumpy said:Home owners love seeing that you have workmans comp and hate hearing that you use subs. If I plan to work for home owners I need to have WC even if I am the only employee. It's just for show like a peacocks feathers.
I couldn't tell you the number of jobs I have sold simply because I had WC and the other guy didn't.
We pay big $$$ for insurance to operate in New Jersey. The sad fact is, almost nobody asks if we are insured. Not to pat ourselves on the back but, we are always on time, we have a neat and clean appearance and present ourselves in a professional manor. Not to knock anybody, but it just goes to show how important those few things are and how the homeowner perceives it.Grumpy said:I couldn't tell you the number of jobs I have sold simply because I had WC and the other guy didn't.
I was trying to point out the important fact of making a good impression and having a professional appearance. It becomes apparent to the client that based on the way we present ourselves they assume we are a licensed and insured business and never ask. I am not sure that telling them that we have a 1 million dollar insurance policy (even though we do) will help us land the job. This comparison was made against the guy who arrives late, has a disheveled appearance and a poor presentation. One may question his credibility and the legitimacy of his business. I agree that working without having some type of liability protection is like playing with fire.Teetorbilt said:I hope that JD was just fooling around, insurance is what keeps you from being homeless if you or one of your subs happen to make a serious mistake.
I own a roofing businesss in omaha, nebraska and am told when my insurance runs out(gen liab, work,comp) that it wont be re-newed in any case. they say no insurance company is touching residential roofers anymore. we do anywhere from 500-650 roofs a year and have for the last 25 years. We're not sure what to do next either? any suggestions?tncontractor said:I'm trying to find General Liability Insurance. A major insurer pulled out of Tennessee recently (they say it was because of mold claims), and the remaining insurance companies have doubled and tripled their rates for existing companies, and walking away from new companies. At our recent Home Builders Assocation meeting, this was the biggest topic of discussion. I'm not really sure what do do next, any suggestions?