California PV Installers - General Liability Insurance [RE-wrenches]

[Dan Whigham, SC Solar]

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Pat,

As a former insurance auditor for GL and Workers Comp. the class code for GL 
is 99080 -Solar Energy Contractor.

Best Regards,

Dan Whigham

SC Solar
Lighting The Way

www.scsolar.com
803-802-5522  Phone
803-233-1750 Fax

In a message dated 2/25/2006 11:33:12 A.M. Pacific Standard Time,
mlafferty at universalenergies.com writes:

Not all  insurance is the same!  Make sure you truly understand what it is
you  need for your company


Matt,

There you go again.... what are you trying to do?  This list  thing must 
have
therapeutic value for you.  Please, please, write  a book soon!

GL insurance coverage for _solar_ still does not exist.  It is a round  hole
being filled by square pegs by just a few carriers and only when your 
broker
is motivated.   After having discovered this back in the 80's,  I wish I had
just gotten an HVAC license and stayed put.  But no, I had to  have a C-46!

I have been trying to motivate CalSeia to approach some brokers, any 
broker,
willing to start writing policies for solar practitioners.  In  fact,
yesterday I spoke with a broker in San Diego who said he thought he needed 
to write
policies for about 100 contractors and have five years of history  before he
could approach any carrier with a proposal to develop a policy for the 
entire
industry.  But _solar_ is plumbing & electric - two distinct  trades with
separate and distinct liability issues.  The only combined  area of interest 
for
these two groups would be the roof, and the  roof is the  stumbling block. 
We
need an insurance carrier  willing to insure all those holes we keep putting
on peoples' homes &  businesses.  HAH!  I wonder if any Hummers in Iraq are
covered?   I think it would help if we were all to start working through the
same  broker, use our growing presence to affect the way we are are 
covered.  On
the other hand, I do not think GL will ever be cheap in  CAlifornia.

Barbara, my charge is based entirely on payroll, and it is around  7.5%.
When you are estimating payroll go low, because the carrier will  catch up 
with
you on the audit but they will never refund an overcharge (or at  least, 
that
has been my experience).    And when you go looking  for a broker in a 
coffee
shop at 7:30 AM, you won't find me there.  I'll be  on the roof ahead of my
guys trying to decide where to put all those  #$$$$%@&& holes!

Patrick A.  Redgate
AMECO
888.595.9570
_www.amecosolar.com_ (http://www.amecosolar.com/)


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