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As a Roofing Contractor your entire business is off-site. When you are working off-site your typical business owners insurance policy does not always cover your tools and equipment … can you imagine if your tools were stolen and you had no way to replace them?

E-WorkersComp.net offers the comprehensive Inland Marine Insurance coverage needed to cover most of your Tools & Equipment and the property of others.

What Does Inland Marine Insurance Cover?

Inland Marine Insurance generally covers property that is movable or transportable in nature. It often covers property that needs broader protection than what may be provided by the typical property policy. Examples are:

• Computers / computer systems
• Tools and equipment for artisan contractors (from mobile equipment to hand tools)
• Fine Art Dealers / Galleries (covers the fine art and tools / equipment used in conjunction with fine art)
• Photographers camera equipment
• Motor Truck Cargo (covers the goods being carried by an insured trucker)
• Transportation Form (covers goods shipped by or to our insured via common carrier)
• Pet Groomers (covers their equipment, especially for those with mobile operations)
• Veterinarians (covers their equipment, especially when portable in nature)
• Vending Machine Form – used to cover vending machines (not the contents)
• Dealers Service Form – covers equipment used by servicing contractors / installers (appliances, flooring, plumbers, etc.)

Contact your agent at 1-800-790-6808 today for assistance in determining your inland marine coverage needs.

E-WorkersComp.net has been working with Contractors for over 30 years. Our experienced agents are familiar with the requirements of contractors and the complex relationships that sometime occur during business operations.

Over of the years we have provided hundreds of Painters Insurance policies to painters looking to protect their companies. Since E-WorkersComp.net in an independent insurance agency we have the ability to search the market in order to tailor programs that address a wide range of risk sizes, business sizes, and even special needs.

At E-WorkersComp.net our agents understand that your company has unique insurance needs. Our Painters Insurance policies are designed to protect you against all the risks and exposures that you face on a daily basis.

If you are tired of being gouged on your Painters Insurance premiums or tired of loosing time and money from mishandled claims, Enterprise Insurance Group wants to work one on one with you identify your risks and determine the right solutions.

Painters Insurance Policies We Have:

• Workers Compensation Insurance – Companies with employees are required to have Workers Comp coverage in most states. Check with an agent to confirm your state’s regulations.

• General Liability Insurance – Liability Insurance covers and provides protection against the legal problems that comes with accidents, injuries, and claims of negligence.

• Professional Liability Insurance – If you provide a service, this insurance will protect against errors, and negligence. Some states require certain industries to carry such a policy.

• Business Bonds – Bonds act as a guarantee between the contractor and the client that the project will be completed to the satisfaction of the contract. Some local and state governments require certain bonds in order to conduct business. Check with your agent to determine the bonds you need.

• Payroll and Employee Leasing – Employee leasing allows for small business owners to outsource the tedious HR functions that take up valuable time. Employee Leasing can also save small and mid-sized business money on employee benefits such as Workers Comp, Health Benefits, Retirement Plans, ad Job Screening.

E-WorkersComp.net has been working with transportation companies for over 30 years to find the right Livery Insurance for their specific business needs.  As an independent insurance agent we have access to the top national, regional, and specialty insurance carriers that write insurance for the transportation industry.

You don’t need a “one size fits all” program, our experienced agents work one on one with you to customize a Livery Insurance program to protect your company and go easy on your budget.  Our hand on approach allows us to target specific needs, develop solutions, and make recommendations.

Whether you are trying to fill a specific need or a comprehensive insurance program that fulfills the DOT regulations, we can develop the right insurance program for small, large, and hard to cover companies.

Types of Livery Vehicles We Cover:

Available Coverages:

Florida Business Insurance can by hard for contractors to sort through. Contractros1stInsurance.com has the expert agents in order to walk you through the maze of insurance policies needed to operate in the state of Florida.

For more than 30 years E-WorkersComp.net has been an independent insurance agency that is able to search the insurance marketplace for the best deals on Florida Contractor Insurance. Regardless of the industry in which you operate in, we have the solutions to protect you company now and in the future.

Request a quote online or call 1-800-790-6808 to get your insurance questions answered by a live agent.

Insurance Policies Needed To Operate:

Florida Workers Compensation Insurance

Florida requires that every company that has more than 4 employees have the right amount of workers compensation to continue operations. If an employee is injured on the job they are entitled to receive the following benefits:

• Medical Benefits
• Loss Wages
• Permanent Disability
• Temporary Disability
• Rehab Benefits

Florida Liability Insurance

Liability insurance helps to protect you company assets if an accident occurs to a third part, someone who doesn’t work for your company. Liability insurance will cover the cost that are incurred due to suit from bodily injury, property damage, advertisement damage, and personal injury.

Florida Bonds

Local, state, federal, and even private contracts are now requiring that contractors have proper bonding in order to bid on specific projects. A bond gives a reassurance to the project owner that the job will be completed under the contract terms and they will not incur any financial loss.

Popular Types of Bonds for Contractors:

• License Bond – Guarantees that you are complying with laws and regulations.
• Bid Bond – Makes sure that you are able to complete the project you bid on at the price you bid.
• Performance Bond – Makes sure that you complete the project to contract specs.
• Payment Bond – Ensures that you are alb to pay for the people that do work under your observation.

Florida PEO & Payroll

PEO services puts your HR functions into the hands of professionals. This allows you to ficus more on the operations of your company that makes you money.

Surety Bonds act as an agreement between the business owner and the client that the project will be completed according to the contract.

There are thousands of individual Surety Bonds out there, and each state has unique requirements when it comes to bonding.  Bond regulations can vary greatly by state and by individual project, which can make it difficult for small business owners to find the bonds they need.

E-WorkersComp.net helps to make the process easier, our expert team has over 30 years of experience finding businesses like yours that right bonds to keep you compliant and to protect your interests.

We partner with over 100 “A” Rated Carriers to offer you specialty programs and instant online approvals for exclusive markets.  We know that time is important in your business; we can provide fast certificate turnaround, often within 24 hours.

Put our knowledge, experience, and relationships to work for you.  Get the best rates on the bonds you need quickly.

Popular Types of Surety Bonds:

• License & Permit Bonds – License bonds guarantee that you will comply with applicable codes and regulations established by local or state government.  These bonds are required in order conduct work in certain areas.
• Bid Bond – A Bid Bond guarantees that if a contractor is the low bidder on a project, they will enter into a contract and provide a Performance Bond
• Performance Bond – A Performance Bond guarantees the contract will be completed according to it terms and conditions
• Payment Bond – A Payment Bond guarantees payment of laborers, subcontractors, and material suppliers.

At E-WorkersComp.net our experienced brokers understand the risks and exposures that you face everyday as a small business owner.  Business Liability Insurance is the most common insurance policy used to protect business assets.  We have been working with small business owner for over 30 years to construct risk management programs to fit specific Business Liability Insurance needs.

We partner with over 100 of the Nations Top Insurance Carriers to negotiate affordable policies for small and large companies.  Since we work with national, regional, and specialty carriers, our brokers are able to find affordable coverage for the hard to place companies and industries.

Our experienced team of Business Liability Insurance brokers can help you take a big picture look at your business, identify your risks and exposures, and create the right policy combination to protect your most valuable asset; your business.

Put our team to work for you finding the best possible coverage.  You don’t have the time to shop multiple carriers, let us do the work for you.

What Does Business Liability Insurance Cover:

• Bodily Injury - This will cover if someone is hurt from an accident that is caused by your business operations, on your property, or for completed operations.  This can cover you if someone sustains and injury from your product or accidents at your place of operations.
• Property Damage - This covers damage that could occur to a third party from the instances above.
• Advertising Injury - This will include lawsuits that allege that an advertisement that your put out made false claims or caused competitor loss.  An example is when you make a false statement about a competitor that causes them financial loss.
• Personal Injury - This will include lawsuits for damages caused to another business or an individual.  The causes could cover acts of slander, invasion of privacy, trademark infringement, false arrest or wrongful eviction.

E-WorkersComp.net works with small, medium, and large businesses to custom build flexible solutions to improve Payroll Services for employers.  Our brokers will work one on one with you to develop a plan that will free you and your employees up to focus on more important parts of business operations.  We will manage the time-consuming tasks of payroll and tax filling.  We make sure that your payroll is on time and accurate, every time.

Our payroll partners offer a comprehensive set of payroll related services.  You can piece together your program to fit your needs or work towards a complete human resource package, which includes, HR management, payroll services, and employee benefits.

Call 1-800-790-6808 to find out
how Payroll Services can save you money.

Benefits of Payroll Services:

Convenience – When you outsource your payroll management, you don’t have to sit over your desk for hours a week.  With our payroll services, you are able to simply call in and give your employees hours, deductions, and salary amounts and we will send out the check.  You are also able to submit information online for even quicker response.

Functionality – If you have more than 2 employees, keeping up with retirement plans, tax deductions, and direct deposits can cost plenty of time.  Our payroll services will handle all the aspects of paying your employees.  You also get reports, calculated tax obligations, and fully prepared W2 forms.

Accuracy & Compliance – You can count on us to be accurate everytime and stay up to date with new tax laws related to your employee payroll.  State and federal payroll regulations can be complicated.  Outsourcing your payroll puts those responsibilities into the hands of professional that understand your business.

Your Workers’ Compensation insurance broker should be knowledgeable about your state’s Workers’ Compensation requirements and be able to apply that knowledge to your particular circumstances. Brokers should also be familiar with the different insurance companies that offer Workers’ Compensation insurance in your state.

If one of your employees is injured on the job, your broker should do two things: first, they should help you through the complex and potentially frustrating process of filing a Workers’ Compensation insurance claim. If questions arise during the course of an injured employee’s treatment, the broker should answer them promptly or facilitate answers from the insurance company. Second, your broker should help you determine the cause of an accident, and offer to help find ways to prevent future injuries.

Beware of brokers who continually switch your insurance to new carriers. Brokers earn higher commissions when they bring new business to an insurance carrier. Unless the savings are significant or you’ve been dropped due to your claims history, it’s not advisable to switch carriers haphazardly.

* The above terms and opinions are to be used for descriptive and reference purposes only. Please review your individual policy for full definitions, exclusions and endorsements. Should you have any questions, please contact your Broker or Agent.

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Workers compensation is an insurance system, mandatory in most states for employers to be licensed and provide service. It serves two basic purposes, to protect employees who have been injured on the job and to protect employers from litigation. Workers Compensation Insurance is sometimes called Workers Comp, Workmans Comp and Workers Liability Insurance. It can be purchased through an insurance company with the help of an agent or broker. Some states also offer a State Compensation Insurance Fund, which employers are able to pay to be a part of instead of purchasing coverage from the private insurance marketplace.

Buying Workers Compensation Insurance pays for an injured employee’s medical bills and lost wages. An employee will only be paid a portion of lost wages, usually about two-thirds of his/her salary. Most employees who become ill or are injured because of an accident on the job have an absolute right to medical care for the injury and the right to receive compensation from the employer for these costs. Without insurance, an employee can file a lawsuit against the employer to reclaim these damages. In most cases, employees covered by Workers Compensation insurance forfeit their right to file a lawsuit against the employer. Being covered by this insurance system ensures that the employee gets the medical attention that they need and that the employer is financially protected.

A few states have “pools” of insurance that are available for you to purchase, but in most states, companies must find private workers’ compensation policies. Only 4 states rely on an entirely state-run program: North Dakota, Ohio, Washington, and Wyoming. California has the largest State Compensation Insurance Fund, which makes sure that all employers can be covered with Workers Compensation Insurance even if they can not find coverage in the private market. The State Fund does not offer as high a level of protection as can be purchased through the private insurance market, but does help employers who are get covered. Business owners who are having trouble getting coverage can use an PEO/Employee Leasing solution in order to become eligible for group discounts and stay out of the state fund risk pool.

Business owners who are looking to buy Workers Compensation Insurance should contact an agency and speak with a broker about their needs. Buying Workers Comp Insurance is one of the most important decisions you will make as a business owner. It protects your employees and your business. Without it a single accident on the job could result in bankruptcy. Your financial success means everything to you. It is also important to us. E-WorkersComp.net helps business owners find affordable Workers Comp Insurance by shopping for a policy from several top insurers not just a single provider. Contact us to request a quote. We help business owners in 46 states including Florida, Texas, Arizona and Louisiana.

* The above terms and opinions are to be used for descriptive and reference purposes only. Please review your individual policy for full definitions, exclusions and endorsements. Should you have any questions, please contact your Broker or Agent.