THE NORRIS AGENCY specifically concentrates on workers’ comp and within the realm of workers’ comp, we are even further focused in the construction industry. As such, we are keenly aware of the myriad of problems relating to workers’ comp that are particular to contractors and their industry. Errors in contractor policies are very common – much more so than you might think.
Remember that the rules change every year, so ask yourself the following questions:
When is the last time that you (or your agent) reviewed Chapter 440 of the Florida Statutes which covers workers’ comp? Or the latest promulgations from NCCI? (Who is that?) Or the Scopes Manual? (What is that and why is it important?)
When is the last time you (or your agent) went over your Mod Worksheet? Are you sure that it is correct? Errors here are very common and could be costing you thousands of $$$.
When is the last time that your agent even discussed an alternative plan? Or ways to save money within your existing program? You might be surprised to find out what is available… Again, the rules change yearly and available programs do too…
Audits – We are always glad to help with the audit process which can be complex and frustrating in the construction industry. We are also available to help you recover money from previous policies – if you paid over $10,000 in any of the last three years ask us about helping you get some of this $$$ back. Hard to believe? Just ask us – we do it all the time. How do we do it? Special rules, special knowledge…
Certificates of Insurance – How long does it take for you to get a certificate of insurance? We strive to get them out within 30 minutes!
Are all doctors the same? Would you let your family doctor perform heart surgery? Are all carpenters the same? Would you let your favorite framing crew do your cabinet work? (No offense to you framers out there.) Do you think that all insurance agents are the same?
Are you absolutely sure that you (or your agent) know all that is needed in order to maximize your savings? Workers’ comp rates are highest in the construction industry and there are special rules that apply only to contractors – wouldn’t it make sense to have one of our professionals help you in this expensive and complex area of your business?