That was a sound Intro there. I'll be happy to answer any insurance questions after your intro is completed. 
:clap::clap::laughing::laughing::thumbsup:splinterpicker said:If ignorence is BLISS I'm one unhappy repoman
lol,Thanks I know they need insurance just not sure if they needed e&o like I do, like my brother who has a landscaping company or my sister who has a maid service. Thanks for the advice. I have been here reading all about the nationals trying to screw the contractor. That's why I am asking about insurance comp. I have heard some insurance companies will actually have your back some will not. I plan on saving everything and everything talked about on the phone will be in a email for confirmation. As for my intro. What is the matter with it? Short and sweat. What are you looking for in it?splinterpicker said:Do subs need to have insurance??? Really seriously??? You are new. Do you own a house and if sued do you want to keep it?? First Insurance is like fall protection you don't want to have it or use it ! But if you need it you want the RIGHT kind in place. A KNOWLEDGEABLE contractor insurance agent will be able to answer ALL your questions. If you don't have GL contractor insurance be sitting down. Ever since 911 the insurance industry has been REALLY harsh on new contractors and even ones in business that have never had a claim. If you have good credit own a house and such you will not need to supply the lube. Bankruptcy and other red flags are going to kill you in premiums.
SUBS need to give you a certificate naming you as a additional insured. PERIOD and be insured at the same limits as you.
E&O this is a BS scam from the nationals but they require it. Keep in mind your best tool is a external hard drive to back everything up on, approvals for removing personal property, photos and such. In my state the property owner has 5 YES 5 years after being out of their property to file legal proceedings. LET the national approve the personal property to be removed. If they say yes remove because they don't see any personals they assume liability. We don't make enough to be hung out to dry by them. AND YES THEY WILL HANG YOU !! Their lawyers don't advise you they just will look out for their client. I hope you are starting to get the point. after being involved in 2 suits I let the nationals in TEXAS take ALL the liability on personals. You'd look at some things and think "really you consider that personals" I was told if it was EVER PURCHASED it is personal property !!
Yep its short and sweet...like its not there at all :whistlingsound p said:lol,Thanks I know they need insurance just not sure if they needed e&o like I do, like my brother who has a landscaping company or my sister who has a maid service. Thanks for the advice. I have been here reading all about the nationals trying to screw the contractor. That's why I am asking about insurance comp. I have heard some insurance companies will actually have your back some will not. I plan on saving everything and everything talked about on the phone will be in a email for confirmation. As for my intro. What is the matter with it? Short and sweat. What are you looking for in it?
Thanks
Tara
No company has your back. No one. Someone working at one may seem nice and you think they might work there forever and help you out, but that's wishful thinking.sound p said:I have heard some insurance companies will actually have your back some will not. Thanks
Tara
I try to think I am polite and as helpful as can be to everyone. That said, I have no problem with the known jouneymen on this forumand how they handle rookie questions. If your concerned about hurt feelings and snarky replies, you really havent been in the Preservation world for very long.George7380 said:
Man speaks the truth. You gotta have tough skin to work in the P&P field. From rude contacts at the Nationals to angry homeowners there are people you have to deal with that don't give a rats patooti about your feelings.GTX63 said:If your concerned about hurt feelings and snarky replies, you really havent been in the Preservation world for very long.
Better stick to using one of these four insurance companies if you plan or already have any national accounts:sound p said:I am getting into p&p and was wondering what is the best insurance company out there? Some of the nationals want you to have E&O, some dont. Some even want you to buy from there insurance company list, that is bs. So i guess the question is what insurance company do you use, how are they, and with or without E&O. Do my subs need the same insurance as me?
Thanks
Tara
George,George7380 said:Fremont, Upon looking back at your posts, I see no intro on your first post (9/30/09 #1153). I have very thick skin and dont care how people talk to me, but I am very respectful and treat people the way I would like to be treated. I will talk to someone who hasn't introduce them self and not think of them as a "troll". I have been reading from this site for a while and love it. There will always be a couple of rude people that don't know how to talk to someone. "All p&p contractors are naive" that is like saying that only steers and queers come from Iowa. People come here to learn, not be treated like some "troll". As for the way the journeyman answer rookie questions that's fine answer them or don't but no need to be rude or hurt anybodies feeling because we are not working or talking to the nations or at a homeowners house,we are on the computer trying to teach and learn. If its about not introducing herself then ask her as if you wanted to be asked. Its common courtesy. And this troll says hello.
Mud on my nose? Lol, you will find a d--k in your mouth and up your a-- from these nationals with your current attitude. Go on mister know it all. Jump in the game. Don't say I/we didn't warn you. Be the next FNG to get it good. Lol, my 9 years of experience have taught me nothing.George7380 said:Then call me Jotunn....I think you have a little mud on your nose. Tara emailed me before, my wife spoke to her about things she needed to know from what we have learned and our friends. They both said that you guys were acting like she was a idiot not worthy of your time. She was very turned off by it and probably won't write on the forum, just watch like a troll. Why get hassled at home? I sure FremontREO knows alot. Just what he said had nothing to do with Tara asked, he just went off in a rant that should go somewhere else. If he knows the answer to her question then why not answer it?