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​HOW TO INSURE CONTRACTORS
Stop Just Quoting Contractors.
Learn How to Insure Them.


A Practical Producer’s Guide to Understanding, Insuring & Winning Contractor Accounts.
  • Contractors can become some of the most valuable commercial clients in an insurance agency.
  • They can also become some of the most misunderstood.
  • A contractor may need far more than a General Liability policy.
  • Depending on the operation, the account may involve Commercial Auto, Workers’ Compensation, tools and equipment, Inland Marine, property, umbrella coverage, subcontractor exposures, certificates of insurance, contractual requirements, and completed operations.

And two businesses that both call themselves “contractors” may present completely different exposures.

That is why quoting the account is not enough.
You need to understand the business before you can insure it properly.

THE PROBLEM WITH THE WORD “CONTRACTOR”
A prospect calls and says:
“I need insurance for my contracting business.”
What happens next?
An inexperienced producer may immediately start thinking about price.
An experienced producer starts asking questions.
  • What kind of work do you perform?
  • Residential or commercial?
  • New construction, remodeling, repair, or installation?
  • How much work is subcontracted?
  • Do you work at heights?
  • Do you excavate?
  • Do you perform roofing?
  • Who drives the vehicles?
  • What tools and equipment travel from job to job?
  • What insurance requirements are contained in your contracts?
  • Who requires certificates of insurance?
Those answers can completely change the account.

How to Insure Contractors teaches producers how to move beyond simply taking an application and start understanding the business they are being asked to insure.

WHAT THIS MANUAL WILL HELP YOU DO:
After working through this guide, a producer should be better prepared to:
  • ✓ Conduct a professional contractor discovery conversation
  • ✓ Identify important exposures before requesting quotes
  • ✓ Understand why contractor classifications matter
  • ✓ Recognize subcontractor and independent-contractor issues
  • ✓ Explore General Liability and completed-operations exposures
  • ✓ Identify Commercial Auto exposures
  • ✓ Discuss Workers’ Compensation considerations
  • ✓ Recognize tools, equipment and Inland Marine needs
  • ✓ Understand certificates and contractual insurance requirements
  • ✓ Identify potential umbrella and excess liability needs
  • ✓ Prepare cleaner, more complete submissions for underwriters
  • ✓ Compare proposals beyond premium alone
  • ✓ Conduct stronger renewal conversations
  • ✓ Prospect for contractor accounts more intelligently

WHO SHOULD HAVE THIS MANUAL? 

How to Insure Contractors was created for:
  • New commercial-lines producers
  • Personal-lines producers moving into commercial insurance
  • Experienced producers who want to pursue contractor accounts
  • Agency owners training new producers
  • CSRs and account managers who work with contractor clients
  • Independent agents who want to develop profitable commercial niches
This is not designed to turn a producer into an underwriter.
It is designed to help a producer become a better insurance professional.

WHAT’S INSIDE?
Learn the Contractor Before You Quote the Contractor.

The manual walks producers through the practical issues they are likely to encounter when working with contractor accounts, including:
  • Contractor Discovery: Learn what questions uncover the real operation instead of relying on a business name or brief description.
  • Classification: Understand why accurately describing what the contractor actually does can affect underwriting, eligibility, and pricing.
  • General Liability: Explore premises, operations, products, and completed-operations exposures and why they matter.
  • Subcontractors: Learn why subcontractor usage deserves careful investigation rather than a simple yes-or-no question.
  • Workers’ Compensation: Identify employee and payroll considerations that can affect the contractor account.
  • Commercial Auto: Recognize owned, hired, and non-owned automobile exposures associated with contractor operations.
  • Tools & Equipment: Consider the equipment that leaves the contractor’s premises and travels to job sites.
  • Contracts & Certificates: Understand why certificates of insurance and contractual insurance requirements deserve attention before problems arise.
  • Umbrella & Excess Liability: Recognize when the contractor’s operations, contracts, or underlying exposures may warrant additional limits.
  • The Underwriter Submission: Learn how to organize the account so an underwriter receives a clearer picture of the business.
  • Proposal Comparison: Help clients understand differences in coverage, limits, deductibles, and conditions instead of reducing every conversation to price.
  • Renewals: Use the renewal as an opportunity to rediscover the account and identify changes in operations.

YOUR 30-DAY CONTRACTOR PROSPECTING PLAN.
The manual helps turn what you learn into action.

Instead of reading another insurance guide and putting it on a shelf, begin identifying contractor prospects in your market.
  • Build a list.
  • Start conversations.
  • Ask better questions.
  • Learn from every submission.
  • Build relationships with underwriters.
  • Follow up.
And gradually develop expertise in the niche.
Knowledge becomes valuable when you use it.

WHAT COULD ONE CONTRACTOR CLIENT BE WORTH? Consider the potential relationship.
A contractor might purchase:
  • General Liability
  • Commercial Auto
  • Workers’ Compensation
  • Inland Marine
  • Property coverage
  • Umbrella or Excess Liability
  • Other specialized coverage
And if you do a good job?
That contractor may introduce you to other contractors.
One good commercial relationship can last for years.
That puts the price of this manual into perspective.

THE ENTIRE MANUAL IS ONLY $25.
Buy It Once.
  • Use It From Now On.
  • No monthly subscription.
  • No expensive seminar.
  • No travel.
  • No sitting through hours of generic training.
Just practical producer development you can return to whenever a contractor prospect calls.
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COULD ONE ACCOUNT PAY FOR THE MANUAL?
Absolutely.
  • You are not spending $25 merely to read another insurance book.
  • You are investing $25 to become better prepared for the next contractor who asks you for a quote.
  • One account could pay for the manual.
  • One avoided mistake could pay for it.
  • One coverage you remember to discuss could pay for it.
  • One referral could pay for it many times over.
  • $25.One-Time Purchase.
  • A Resource You Can Keep Using.

GET THE CONTRACTOR GUIDE → 

BUILD YOUR COMMERCIAL LINES LIBRARY.
Contractors are only one opportunity.

The FYI Express How to Insure Commercial Lines Library gives independent agents and producers practical guidance for understanding and pursuing real-world commercial accounts.

Continue building your expertise with:
  • How to Insure Restaurants
  • How to Insure Trucking & Transportation
  • How to Insure Churches & Religious Organizations
  • How to Insure Small Manufacturers
  • How to Insure Auto Repair Shops
  • How to Insure Retail Stores
  • How to Insure Habitational Properties
  • How to Insure Professional Offices
  • How to Insure Wholesalers & Distributors
Don't Try to Know Everything.
Learn Where to Look — and What to Ask.

FYI EXPRESS
Practical Training. Better Producers. Stronger Agencies.
​
REAL-WORLD PRODUCER THINKING:

Knowing insurance terminology is not enough.
Producers must learn how to recognize situations that require another question.
Throughout the manual, practical scenarios help the producer develop the habit of:
  • HEAR IT
What did the prospect actually tell you?
  • ASK ABOUT IT
What additional information do you need?
  • VERIFY IT
What needs to be confirmed before proceeding?
  • DOCUMENT IT
What belongs in the agency file?
  • TAKE THE NEXT SAFE ACTION
What should the producer do next without exceeding their authority?
That is the difference between simply completing an application and thinking like an insurance professional.

DON'T WAIT FOR CONTRACTORS TO FIND YOU.
This manual isn't only about servicing contractor accounts.
It is also about finding them.
Contractors are everywhere.
  • Roofers.
  • Electricians.
  • Plumbers.
  • HVAC contractors.
  • Painters.
  • Landscapers.
  • Remodelers.
  • Concrete contractors.
  • Flooring installers.
  • Carpenters.
  • Handymen.
And dozens of other trades.
Once you understand the questions to ask and the exposures to look for, contractor insurance can become a deliberate prospecting niche rather than an occasional account that happens to walk through the door.

COULD ONE ACCOUNT PAY FOR THE MANUAL? Absolutely.
  • You are not spending $25 merely to read another insurance book.
  • You are investing $25 to become better prepared for the next contractor who asks you for a quote.
  • One account could pay for the manual.
  • One avoided mistake could pay for it.
  • One coverage you remember to discuss could pay for it.
  • One referral could pay for it many times over.
  • $25.One-Time Purchase.
  • A Resource You Can Keep Using.

GET THE CONTRACTOR GUIDE → 

BUILD YOUR COMMERCIAL LINES LIBRARY.
Contractors are only one opportunity.

The FYI Express How to Insure Commercial Lines Library gives independent agents and producers practical guidance for understanding and pursuing real-world commercial accounts.

Continue building your expertise with:
  • How to Insure Restaurants
  • How to Insure Trucking & Transportation
  • How to Insure Churches & Religious Organizations
  • How to Insure Small Manufacturers
  • How to Insure Auto Repair Shops
  • How to Insure Retail Stores
  • How to Insure Habitational Properties
  • How to Insure Professional Offices
  • How to Insure Wholesalers & Distributors
Don't Try to Know Everything.
Learn Where to Look — and What to Ask.

HOW TO INSURE CONTRACTORS 
Digital
Producer Guide
  • $25 — One-Time Purchase
  • Immediate Access
GET HOW TO INSURE CONTRACTORS → 

FYI EXPRESS
Practical Training. Better Producers. Stronger Agencies.

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Eddie K. Emmett, 200 Russell Court, ​Canton, GA 30115