Real Life Answers - Protect Your Business and Save Money
This website is dedicated to providing virtually everything
you as a trade contractor here in Pennsylvania
need to know to protect your contracting business from so many of the nightmares that
can ruin a contractor financially.
Realizing that we all process information differently, we provide both an in depth explanation
of the major types of insurance that PA artisan contractors need and give a wealth of information
from a "Big Picture" PA contractor insurance perspective.
Others want just the information we need to make a decision. We have broken down each
specific trade contractor's typical contractor insurance policy forms as well as giving you an
indication as to what contractor insurance rates a specialized trade contractor like you would pay.
Simply click on the link that applies to the trade you are interested in and you will be taken to that
contractor insurance section directly.
Contractor Insurance Is Different
Other insurance agents may well tell you that insuring contractors like you is just like insuring
anything else. This same thinking would suggest that you can go to your family
doctor to have heart surgery done. I am not suggesting that insuring contractors is as difficult as
coronary bypass surgery - just that, because I can swing a hammer, I'm most definitely not a
carpenter. It's the same with insurance agents.
At Smiths Insurance Agency, we are Pennsylvania contractor insurance experts and specialists.
We provide you with insider expert advice. This is real life from the trenches
guidance. Each uncovered claim that is discussed on this website are real life scenarios that crushed
good artisan contractors and put them out of business.
The Reason?
A Generalist Agent Wasn't A Contractors Insurance Expert
One policy form, one policy exclusion, can literally make the difference for you between sleeping like
a baby and being thrown into a world of you wouldn't wish upon your worst enemy.
Central to the idea of our being the best contractor's insurance agency in Metro Harrisburg
is that our knowledge not only allows us to properly protect you but also save you money in the process.
Read our insider reports
Avoiding the Contractor's General Liability Fiery Pit of Hell,
How to Cut Your General Liability Insurance By Thousands of Dollars Each Year,
The Workers Comp Audit, and
The Commercial Auto Report
to literally save you thousands of dollars across your contractor's insurance portfolio. Again, without
beating a dead horse - the reason other agents don't tell you about it - they don't know it. It's not
that they are bad people, they are just not contractor insurance specialists.
What Contractors Insurance Is and Isn't
Contractors insurance is not sexy, it is not filled with laughs. I doubt supermodels spend their time
at parties discussing changes in general liability. But one thing that contractors insurance is - it
is vital.
These policies in an absolute sense can make or break you. The nature of your business is dangerous,
people get hurt, property gets damaged.You simply can't rely on the advice of someone who doesn't
deal with construction insurance all day every day.
More Good News
Our Success May Well Put More Money in Your Pocket
You will see that we provide our Metro Harrisburg contractors with proprietary packages to get the bull's-eye
off your back with detailed guides as to industry best practices.
In addition to that, because we are Pennsylvania contractor insurance specialists, we know the Pennsylvania
insurance marketplace. We know the players for each kind of contractor insurance and the bottom
line - we are able to in many circumstances to get policy credits and discounts that other generalist
agents may not get. Our success is truly your success as we represent many insurance carriers in the
marketplace and force them to aggressively compete for your business. We demand that our underwriters
sharpen their pencils when they give us our Pennsylvania contractor's quotes.
This means we may well be able to get you pricing for your contractor's insurance that greatly reduces
your premiums and/or expands your coverage.
Knowledge is power. We talk to the same insurance company underwriters all the time. They know we know
and are experts in the contractors insurance arena and hold their feet to the fire to get you the best
price we can in the marketplace.
What You Should Do Now?
There is a wealth of information on this website. We add to it all the time so that we can
provide in real time the information you need to grow and protect your construction business.
If you are interested in obtaining competitive quotes for any or all of your contracting business,
call us at (717) 533-0207 or
contact us for answers to your contractors insurance questions.
Contractor's General Liability Insurance
Thank you
Contractors insurance can sometimes seem cold, faceless and very expensive. We understand this and
will do everything we can to help you. But one thing that should never be overlooked is this:
We exist in business because of you and contractors like you. You put food on our table, clothes on
our kids' backs and sign our paycheck. We work for you. It is a responsibility and a privilege and
the trust you put in us protects your business and all of its assets. We never forget just how vital
the relationship is.
Thank you and we look forward to helping you protect your business while giving you the best coverage
at the most affordable prices in Metro Harrisburg.
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