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Bonding
Business & Employee Liability
Certificate Requests
Commercial Auto
Commercial Building
Contractor
Manufacturer
Professional
Payments
There are
an endless number of bonds. The most common is the contractor's
license bond required by the
State of Washington. Performance and contract bonds
guarantee that work will be completed in accordance with
the contract requirements. Bonds are similar to a
letter of credit from a bank and are based on your
capital, the capacity to perform the work and your
character.
Court
bonds, license bonds, bid and performance are just a few
of the bonds available to you to make your business run
smoothly.
Contact Donna Haynes, CPCU, at 253-284-9354 or email
your questions to
donna@pheinsurance.com
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Business Liability & Employee Liability
The
assets of your business are at risk if the liability
insurance is not providing the protection you need for
the operations. The duty of care that is owed to the
public has risen substantially due to case law and
increased litigation and the need for professional
assessment is increasingly important.
Liability exposures from slip and falls, construction
defects, completed operations, employment practices, use
of equipment, product liability, professional, directors
& officers are just a sample of the exposures which need
to be addressed by a licensed insurance professional.
Contact Donna Haynes, CPCU, at 253-284-9354 or email
your questions to
donna@pheinsurance.com
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A
certificate of insurance provides proof to another party
that you have insurance protection in force.
Many
vendors are now requiring additional insured status,
which means your policy extends to provide protection
for the vendor. There are many other requirements that
may be needed, including primary coverage, waiver of
subrogation, and completed operations protection for the
vendor.
You can
email a copy of the insurance requirement form to us and
we would be happy to review your policy, see if the
coverage is available, and what costs may be involved.
We need the name, address of the vendor, project name
and description of the job.
Contact Donna Haynes, CPCU, at 253-284-9354 or email
your questions to
donna@pheinsurance.com
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Commercial Automobile
Motor
vehicles are everywhere and the availability of
affordable coverage can be secured with a combined
effort between our Agency and yourself. There are
programs for fleets (five or more); single axel rigs,
trucks, private passengers, tractors, and/or trailers.
We can
work with you to create a safe driving plan and other
risk management tools to help minimize your exposure to
risk.
Contact Donna Haynes, CPCU, at 253-284-9354 or email
your questions to
donna@pheinsurance.com
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Commercial Buildings
Each
building has it’s own personality and needs that must to
be addressed. Whether it is an office building,
mercantile, apartment, service station, strip mall,
warehouse, condominium, or apartment conversion, you may
be exposed to fire, loss of rental income, increased
expenses to rebuild, triple net leases, and/or premises
liability.
Let us
help review with you measures you can take to qualify
for lower rates by utilizing risk transfer methods to
reduce the exposure to loss and save your investments.
Contact Donna Haynes, CPCU, at 253-284-9354 or email
your questions to
donna@pheinsurance.com
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Contractors
Whether
you are an artisan contractor, a general contractor or
developer, the marketplace for insurance has changed.
The duty of care you must provide has been raised by
case law in our state and the importance of coverage for
what you are doing is essential.
We can
provide education on the markets available and the ever
increasing exclusions and limitations of coverage. We
will review with you your business needs, how to tailor
a policy to provide you with what you need, help you
understand policy pricing, and be a partner with you in
the construction business. We have markets for all
phases of the construction industry.
Contact Donna Haynes, CPCU, at 253-284-9354 or email
your questions to
donna@pheinsurance.com
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Manufacturing
The
creating of a product requires special attention and
there are many variables on insuring your products and
properties; special attention is necessary for the
valuation of your product. There are ways to insure
your profit, instead of insuring the cost of your
materials. Equipment coverage including breakdown is of
major concern. There are risk transfer methods if you
are the distributor of a product so you do not have to
pay the full cost of liability coverage.
Other
exposures that may affect you include transit of
merchandise, dependent properties or customers.
Contact Donna Haynes, CPCU, at 253-284-9354 or email
your questions to
donna@pheinsurance.com
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Individuals or businesses that provide advice,
professional services, and/or professional duties have
an exposure for making an error or mistake. These can
be very costly not only for the damage suffered, but the
defense costs as well. Whether you are an attorney,
architect, nurse, counselor, accountant, a director or
officer of a profit or non-profit board, your personal
assets can be at risk.
Let us
help you navigate through the coverage, explain tail
coverage and how a claims made policy is different from
other forms of coverage.
Contact Donna Haynes, CPCU, at 253-284-9354 or email
your questions to
donna@pheinsurance.com
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Payments
Each
insurance company has their own method of accepting
payment. Below you will find a list of companies
and acceptable methods of payment:
Safeco:
1-800-566-6001
Travelers: 1-800-252-2268 or
www.stpaultravelersepay.com
Western National: 1-800-862-6070 ext. 200
Oregon Mutual: 1-800-409-3814 or
www.oremutual.com
Progressive: 1-800-925-2886
CBIC,
Safeco, Western National, and Travelers will also offer
financing. Premium Finance Services, an
independent finance company, may also be a useful
resource and can be contacted at 1-800-888-2750.
Payments
need to be paid on time. If policy cancels there
is no automatic reinstatement of coverage. Some
companies offer electronic fund transfers.
For payment
methods on a company not listed here, please call our
office at 253-756-2000.
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