I just had an intake meeting with a roofing company in Arizona that was paying over $20,000 annually for their general liability insurance policy. Sounds normal, right? But here’s the problem:
They were essentially paying for a piece of paper with no real coverage.
When I reviewed their policy, I found two major issues:
No coverage for uninsured subcontractors – and they use all 1099 labor.
An open roof exclusion – in case you’re wondering, that’s like a fire department refusing to cover fires.
Here’s the kicker: the owner knew something might be off. During an inspection, the subcontractor issue came up. He even emailed his agent to double-check. The agent’s response?
“That’s nothing to worry about, you’re fine.”
Imagine running your business thinking you’re protected, only to find out when it matters most that you’re not.
This isn’t just about insurance—it’s about working with someone who truly understands your industry.
When you hire a generalist, you get general advice. When you hire an expert, you get peace of mind.
Here’s the lesson:
A policy isn’t just a price. It’s protection.
And if you don’t have someone who understands your business reviewing it, you might as well set that money on fire.
Don’t wait for a claim to find out what’s missing. Make sure you’re working with someone who knows your industry inside and out.
If you’re not sure, let’s take a look. It’s better to catch these issues now than when you’re filing a claim.