Labor Force Insurance

Dallas General Liability; Well we are here, it is here (Christmas) it’s Christmas Eve. With all we have we at Labor Force Insurance we say, have a blessed Holiday today because there will never ever be another 2014. There is going to be a lot to go over in the next year so let’s get to the point. Here at LFI we help the small contractor. Our definition of a small contractor is someone who runs a total of $3 million in gross sales and/or has about 1 million to 1 ½ million in payroll each year. Also, we help with benefits for the small companies and with life insurance. Dallas general liability let’s get started.

What do you need

There are going to different exposures for different types of contractors. Truly, not trying to be ridiculous here but as an example it would be logical that a painter would be less likely to have an electrical fire the electricians. I know call me silly. These risk are put together by mathematical equations called “algorithms” and therein the rate is determined based on the risk. The simple way to say this is: what you do as a contractor determines how much you pay. A make-ready company that picks up the left over contractor debris pays a lot less than a roofer. We at Labor Force Insurance work with

• Electricians
• Interior painters
• Janitorial services
• HVAC (heating and air)
• Re-modelers

Now, there is more yet we are not for everyone and here is why:

We are not for everyone

We do not ever want to say that we do not have an niche or that we cover everything that you can get sunlight on – because that’s just not true. After being in the industry for 17 years and a licensed agent for the state of Texas since 2004 you run across a lot of people. Personally I’ve been called a lot of things and one of the most common is gregarious – in Texas we call that the person who has never met a stranger. I here this statement a lot: “Yea! We cover everybody – from the pot hole digger to the skyscraper builder.” Ok, that’s a wonderful statement is just not very intelligent and it’s not true. If you are large-company say you’re running gross sales of over $5 million we will not be a good fit for you. The reason is not because we don’t want to do the larger companies is because we cannot save you money. And here is a statement that we live by:

YOU can’t stay in business giving all your money to the insurance agent

Now, as obvious is that may seem it is true and just – as – true is this: “If you and your company do not stay afloat, stay in business – neither do I” It’s just the truth the whole truth and nothing but a bunch of truth. So, Give us a call and we will see what we can do to get started.

Disclaimer

WE have to do this because some people don’t want to work they just want to take what does not belong to them. Only one person right this blog – me – and this is my personal opinion. This is solely my opinion and if you read it is for recreational purposes only – here’s the reality. I have never read your policy nor its interior design (policy language) now, with that said: we/I/this blog does not offer any kind of warranty or guarantee now that is something that I will guarantee that we don’t offer any. This is hopefully something that you can use to you devise intelligent questions for your Texas licensed insurance agent that you will be working with.

Thank YOU!!

YOU, are important to us at labor force insurance and we certainly thank you for dropping by today. Again be very very safe out there on the roads Christmas is a dangerous time people seem to want to drink and I do not refer to Kool-Aid here.

Soon

Small Contractors: here is a thought – 2015 is about eight days away. It’s all over 2014 and it’s time to look towards the future of your business, your family and your fiscal situation for the New Year. Now here’s a thought: if we as a company can only save you 10% than definitely do not go with us – your agent is probably been there and been very fast with your (COI’s) – certificate of insurance and has done a magnificent job. There is something that you want to bring up to your current agent if we only save you 10% a word that is going to be magical in your ears. Mr. agent I am your client and you need to match this price. Again God bless have a magnificent Christmas Eve.  Dallas General Liability Call us!!