The One Move Every Established Contractor Should Make

There’s One Shift That Makes Contractor Insurance Infinitely
Easier and It Has Nothing to Do With Chasing Quotes

Most contractors either:

• Bounce around chasing quotes every year, or

• Haven’t touched their policy in years — hoping it’s “fine” while audits, subs, and outdated limits quietly eat them alive.

The Fix: Stop Shopping. Start Partnering?
The best contractors don’t waste time quote-hopping or guessing what’s covered. They find one independent partner who gets their business, their people, and the way they work — and stick with them.

A real partner doesn’t just sell you a policy and disappear.

They:

• Protect your business, equipment, people, and personal assets

• Stick with you year after year

• Help you avoid traps before they hit

Without a True Partner, Here’s What Happens:

• COI chaos from subs

• Audit nightmares and payroll mistakes

• Uncovered gear losses

• Fleet gaps and wrong titling

• Personal exposure from weak umbrella or auto coverage

• Stale pricing and captive agents with no competition

The One Move That Changes Everything:

1. Access to the Right Companies — not just whoever’s available

2. A Partner Who Builds Strategy — subs, audit prep, umbrella, auto, personal — all coordinated

3. Organization — bird’s-eye view, self-serve certs, no paper chase

4. Simplified Decision-Making — clear recommendations, not jargon

5. Monitoring + Advocacy — proactive re-shopping, audit prep, underwriter negotiations
   
   Quick Win: Partner Checklist
   
   ✅ Independent?
   ✅ Specializes in contractors?
   ✅ Helps with subs/COIs?
   ✅ Fast certs with 24/7 access?
   ✅ Preps you for audits?
   ✅ Manages personal + business in one view?
   ✅ Re-shops proactively?
   ✅ Explains clearly?
   ✅ Does the heavy lifting?
   ✅ Reachable directly?
   
   If you can’t check most of these boxes, you don’t have the right partner.

Why I Care
After 25 years in small business insurance, I’ve seen too many good contractors lose time, money, and sleep over things that should’ve been handled. My mission? Make insurance one of the easiest parts of your business.

Bottom Line: Stop chasing quotes.
Start choosing a partner who actually protects what you’ve built.

Serving Idaho & Utah Small Business Owners — with real partnership, not paperwork.