It was Oct. 1, 2016, when a fence owner discovered his general liability claim was denied by the insurance company. The accident occurred on August 10, when one of his employees accidentally damaged part of a house in Orange County, California.

The owner of the fencing company began reviewing his current general liability policy and read it from front to back. This was the first time he noticed that he had a residential exclusion in his general liability policy. The owner had no idea that he was not covered for this type of work.

Can this happen to you and your fence company? Yes, it can.

In recent years, many insurance companies have been keeping premium pricing competitive by eliminating necessary coverages. However, these necessary coverages are vital to your type of work.

Many insurance companies have deleted or changed important coverages in the past five years. These eliminated coverages include, but are not limited to:
Regardless of your industry, liability exposures exist in every part of your operation and at every location. A proactive approach and periodical review of your insurance coverages can significantly mitigate your liability exposures. By preventing injury or damage to others and having all the necessary coverages you need, you can devote more time to helping your company succeed.

In the past five years, many AFA members have complained about their high insurance premiums and lack of coverage. Many insurance carriers have kept the premium pricing competitive, while eliminating necessary coverage.

The AFA has heard these complaints and has taken extraordinary steps to improve the insurance situation. Effective September 30, the AFA will provide its members the potential to lower their insurance premiums and receive the best possible insurance coverage available in the marketplace with an admitted insurance carrier.

Below are the advantages of the AFA Endorsed Insurance Program: 
What is the most important thing you need before you leave for a jobsite? Hammer? Saw? Screwdriver? No. You need a certificate of insurance. Before general contractors are allowed on a jobsite, they want to see a certificate of insurance confirming you have the required insurance coverages, limits and correct additional insureds.

If you are allowed on the jobsite without a certificate of insurance, you will need to show the general contractor/owner a certificate of insurance before you get paid. By joining the AFA Endorsed Insurance Program, AFA members will be able to receive certificates of insurance within three hours of the request.

If you want additional information about the advantages of the AFA Endorsed Insurance Program, or have general insurance questions, please contact Andrew Stergiou at 212-603-0321 (astergiou@alliant.com). Alliant Insurance Services, Inc., the consulting broker for the AFA Program, is one of the largest and most experienced insurance and surety bond brokerage firms in the country.