For the purpose of this post we will be discussing New York business risks. We are licensed to write is six states NY, NJ, CT, FL, PA & SC.
M.J.F. has secured a number of carriers who are willing to underwrite Commercial General Liability throughout the 5 boroughs and N.Y. State. The most difficult risks are for roofers because the potential for loss is greatest in this field. However, there are a limited number of carriers willing to write roofers. We have already written H.V.A.C, Carpenters, Wood Floor Installation & Repair and Plumbers to name a few classifications. Requesting Certificates of Liability can be done via the website or by phone. It is important that when we quote the policy to let us know if you anticipate how many certificates you may require because some carriers charge per certificate issued. No risk is too big or small for us as we carriers that specialize in annual premiums over $15,000 as well as smaller premium risks.
Workers Compensation typically is written through the New York State Insurance Fund but we have a few options if you are in business for a few years. Depending on the classification and prior loss history.
Some contractors require bid and performance bonds. We have a company that will issue these bonds and other miscellaneous bonds that our contractors may require to secure a contract.
We are a one stop resource for contractors and construction companies for your insurance needs and we are licensed in six states. We also offer a few more resources that may be of interest:
A) Online O.S.H.A. Safety Training for the 10 & 30 Hour Outreach Construction Courses and the 10 & 30 Hour General Industry Course. Both Certification courses are 100% online and typically have 6 months to complete. You employees don't have to wait for the O.S.H.A. Trainer to come to your town. The courses are valid nationwide and open to anyone who wishes to enroll. The course can be accessed directly through our website www.mjfinsuranceagency.com or at www.mjfoshasafety.com courses are given and certified through the American Safety Council
B) In addition we offer online C.P.R. Certification, Recertification, First Aid Certification,Bloodborne Pathogen, Pro Home Safety & ACLS Certification. Visit our website at www.mjfinsurance.com under Helpful Links or http://mjfonlinecpr.webs.com to take the online class and
use Code - CPR-1865 to enroll. PAY FOR COURSE AFTER YOU COMPLETE AND PASS THE EXAM(100% online).
In some cases some of our insured corporations and business owners will pay for a designated employee to take the C.P.R. courses in order to have someone at the jobsite qualified in case an emergency arises.
C) All companies that M.J.F. represents and have a corporate website will be can be listed on our Preferred Partner Page on our agency website.We offer this as a business referral source in hopes that our insureds can network together and the general public will also visit to find vendors. There is no fee for this listing and you must be insured with us to be posted on the Preferred Partner Page!
Lastly we also offer Mechanical Breakdown Coverage (Extended Vehicle Warranty) for private and commercial vehicles. Program is only available in New York. Under this plan you have your vehicle repaired by any mechanic of your choice when your vehicle breaks down. Mention this Blog Post and pay the annual fee upfront at purchase and we will give you a $200 discount off the annual price of the extended vehicle warranty.
PAYMENT OF PREMIUM
Most carriers require the annual premium to be paid in full at time of binding. M.J.F. has come up with finance options for our clients. We accept American Express, Visa, Mastercard & Discover. In addition we have recently added a finance company that will allow us to offer premium financing on your policy for an Annual Percentage Rate of 9%. I have seen financing in the 15% range and up, so our 9% is a very good rate. We can offer this to program to anyone with a need for a finance agreement. If your with another broker or premium finance company you can still call for a quote of fax over your quote or renewal quote to us at (866) 456-7905. If you prefer to e mail the information we can receive it at mfusco@mjfinsurance.com
As you can see, not only are able to provide you with a competitive quote, we can also provide our clients with many other services. Once you become an MJF client we will requote your policy annually to make sure you have the best coverage and best premium available.
We look forward to hearing from you and appreciate the opportunity to represent you. Licensed in New York, New Jersey, Connecticut, Pennsylvania, Florida & South Carolina.
