Contractors Insurance

 

Why Should Contractors Choose W.J. Farmer Insurance?

We are experts in the Contractor’s Insurance Market.  We insure contractors across NY State.  We not only offer some of the most competitive prices, but we understand how to properly insure our clients!  We are here to provide guidance and advice to our contractors.  Our policies come with a licensed, knowledgeable agent who is at your service!  The most critical time to rely on an expert is during the design phase of your insurance policy.  Don’t find out after a claim that your policy did not adequately cover your business!

More reasons to choose WJ Farmer Insurance:

  • Your Erie Insurance liability premium is based on number of employees and is non-auditable.  Most carriers base their premium on sales or payroll and audit these amounts at the end of your policy term.  If your actual sales or payroll are higher than what the policy was based on, you owe the insurance carrier additional premium!  In other words, your premium increases with an increase in payroll or sales!  Our quoted premium will not change throughout the policy period unless you add employees.   An increase in sales or payroll does not affect our premium!
  • Since many of our clients reside in other parts of the state, our agency is designed to provide service over the phone or by email.
  • We have a quick turn around time for Certificate of Insurance requests.  They can be requested by phone, fax, or email!
  • Erie Insurance is an A rated carrier for financial strength.  They have also won numerous awards for their outstanding claim service.
  • We do not require a large down payment to start coverage.  We only need the first month’s payment.

We also offer some of the lowest rates for commercial auto insurance.  In fact, we haven’t found a carrier who offers lower rates yet!

Email us to receive a Contractor’s General Liability, Workers Compensation, or Commercial Auto quote today!

WARNING!

BEFORE YOU BUY CONTRACTOR’S INSURANCE, REVIEW OUR CONTRACTOR’S INSURANCE BUYERS CHECKLIST TO SEE HOW OTHER CARRIERS STACK UP TO OUR COVERAGE!

CONTRACTORS NEED COMMERCIAL AUTO INSURANCE!  TAKE OUR COMMERCIAL AUTO TEST TO FIND OUT IF YOU ARE REQUIRED TO CARRY COMMERCIAL AUTO, OR CAN GET AWAY WITH PERSONAL AUTO COVERAGE.  IF YOU MEET ANY OF THE CRITERIA ON THIS TEST, DONT RISK AN UNPAID CLAIM BY NOT CARRYING COMMERCIAL AUTO INSURANCE!  AND BY THE WAY, OUR COMMERCIAL RATES ARE PROBABLY CHEAPER THAN WHAT YOU ARE PAYING FOR PERSONAL AUTO COVERAGE ANYWAY!

THINKING OF CANCELING YOUR INSURANCE BECAUSE OF NON PAYMENT OF PREMIUM, SEASONAL WORK, LOW DEMAND FOR YOUR SERVICES?  THINK AGAIN!  CLICK HERE TO READ HOW THIS CAN RUIN YOUR LIFE!