vacant homes, real risks
Insurance for property preservation businesses in Florida
You secure, clean out and maintain vacant or foreclosed homes for banks and asset managers. I’m Chris, and I can help you sort out your coverage.
FL License #G193830
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The basics
Damage you cause
General liability responds when your work injures someone or damages a property. A crew member could crack a window while boarding up a house.
Your crew
Workers’ comp is for employees who get hurt on the job. Hauling debris out of neglected homes can mean cuts, falls and strains.
Tools and equipment
Mowers, trailers and pressure washers keep you earning. Ask me about covering them against theft or damage.
Proof before work
The companies hiring you usually require proof of insurance before assigning work. Have your paperwork ready so a work order doesn’t wait.
What can go wrong
Vacant homes come with surprises. Here’s what I’d think about before your next work order.
- A neighbor trips over debris left at the curb after a cleanout. Think general liability.
- Your crew breaks a door frame while changing a lock on a foreclosed house. Think general liability.
- A worker strains his back carrying furniture out of a cluttered garage. Think workers’ comp.
- Someone steals your trailer and mowers from a job site overnight. Think tools and equipment coverage.
- A bank asks for proof of insurance and you can’t send it that day. Let’s get your certificate in order.
Coverage to ask me about
In Florida, construction businesses generally need workers’ comp once they have one or more employees, and other businesses generally need it at four or more employees. The Florida Division of Workers’ Compensation has the official rules.
- General liability. It responds when your work causes injury or property damage to other people.
- Workers’ compensation. It’s there for employees hurt while working.
- Tools and equipment. It can protect the gear you haul from job to job.
- Commercial auto. You drive trucks and trailers to every property, so ask me about it.
What I’ll ask you
I just need a clear picture of your business.
- What services you provide and which ones you turn down.
- Your yearly revenue.
- Your payroll and how many employees you have.
- Whether subcontractors handle any of the work.
- Any claims you’ve had before.
- What the bank, asset manager or contract is asking you to carry.
- Your deadline for proof of insurance.
Questions I get
Will the companies that send me work ask for insurance?
Many of them do. Requirements vary by company, so send me their paperwork and we’ll read it together.
Do my subcontractors need their own coverage?
It can depend on the company and the policy. Tell me who helps on your jobs.
Does general liability cover my own tools?
Usually not. Tools are a separate coverage, so ask me about both.
Can I get a certificate the same day?
Timing varies by company. Tell me your deadline and I’ll do my best.
Official sources
Coverage, eligibility and price depend on the company and your business. This page is general information, not a quote.
Have a question? Just ask.
Call me or send a quote request. You’ll hear back from a real person.