Jennifer Emerson’s words about Kristen

April 27, 2015 in bradford, Bradford Car Insurance, Bradford PA, bradford pennsylvania, Testimonials

“Kristen was polite and understood we were looking for something that would fit our budget”….We saved $250 a month now. My agent got me the best deal! Could not be happier”

Jennifer Emerson  Smethport, Pa

MIchelle Zimmerman

March 11, 2015 in bradford, Bradford Car Insurance, Bradford PA, bradford pennsylvania, Testimonials

Michelle Zimmerman  our Feb 2015 $50 Gift Card winner

Michelle Zimmerman 

“Kristen was very efficient with supplying me with a quote and fantastic coverage. I was in a predicament with my previous insurer, and was more than satisfied the service and policy I received in a very timely manner. I will highly recommend Kristen (Williams Agency) to all of my real estate contacts as well as friends and family. Excellent service and kindness was provided. I would encourage everyone to at least contact Williams Agency to give them the opportunity to not only save you money,I believe they really do have your best insurable interest at heart. Protecting and providing- well done Kristen! Thanks again for all of your help”  M. Zimmerman

T Hallock

January 5, 2015 in bradford, Bradford Car Insurance, Bradford PA, bradford pennsylvania, Testimonials

“With my daughter being a new driver, finding the affordable insurance was stressful and expensive, but with Williams Agency they saved me so much money. They are first class all the way.”

T. Hallock  Kane, Pa

A little inside info. on one of our team members

November 26, 2014 in bradford, Bradford Car Insurance, Bradford PA, bradford pennsylvania, Uncategorized

Personnel File - kristen

LICA has shown Excavating Contractors how to earn dividends on their insurance premiums

August 14, 2014 in bradford, Bradford PA, Bradford PA LICA, business owner's insurance, contractor's errors and omissions, insurance, insurance dividends, lower costs on insurance, Pa LICA, united fire group

It is amazing how the government will say that the cost of living has not increased substantially. This is because they do not take into account three of the most expensive consumer products when calculating the rates: food, gas and non-core CPI measures. Instead of calculating the CPI by including home prices, housing costs are calculated by rental rates. For sure, it is complicated. But complicated or not, all contractors know that bids must be low in order to secure contracts and prices for goods and services are increasing. This is quite evident in the cost of fuel which can fluctuate from one week to the next depending on turmoil overseas and natural disasters here at home. A contractor can make an educated bid today but costs may increase next week and the whole project can be in the red.

 

Pennsylvania has chosen to give back to contractors by allowing insurance dividends to be paid on contractors’ policies. Some states have already had this program in place. It is not unusual to see a dividend of 16% and this is real money that the contractor can add back to the bottom line.

 

What this also means is that an excavating contractor can actually get the insurance he needs rather than what he can afford at one given time. We all know that general liability insurance is mandatory across the board. Some GC’s and property owners require a minimum amount of liability and the excavating contractor who has won the bid has just so much time to provide proof of insurance. If there is an excavating contractor who has jobs going simultaneously, it is advantageous to have a policy that covers all new work as it comes in – rather than having to write one policy for each job.

 

There are coverages that an excavating contractor may not know is available or that his insurance agent has not been proactive in describing. PALICA has a link on their website http://www.pennsylvanialica.com/which shows the benefits of becoming a member in addition to the dividend program and lower costs on insurance. It also give you a link to an agent with United Fire Group which underwrites every type of insurance for the excavating contractor.

 

Samples of the additional coverages that are available include:

 

Business Owner’s Insurance: For the excavating contractor this combines property, liability and crime protection. It includes a variety of enhancements that offer protection for many aspects of your business such as data processing, security breach and identity theft services, employee dishonesty, money and securities. Equipment breakdown covers the cost to repair or replace mechanical, electrical or pressure systems that suffer a breakdown.

 

Contractor’s Errors and Omissions: Customers depend on their jobs being completed on time and on budget. But, no matter how careful you are, mistakes can happen. You need the coverage to protect your business from losses caused by defective materials or faulty workmanship. These types of losses can have a devastating impact on your production, profitability and reputation.

The (E&O) offers unique coverage to protect you against four important coverage exclusions in a standard general liability policy: Product Exclusion, Work Exclusion, Professional Liability and Product Recall Exclusion.