With new development booming in Southwest Florida, the construction industry provides a large segment of jobs in the region and is driving the diversification of our local economy, which has typically been heavily reliant on tourism and hospitality. Cape Coral State Farm agents Mike and Dawn Sullivan are proud to now be able to offer artisan and contractor service coverage to this crucial sector of business as the area continues to develop and grow.
“This is a big deal for our area. We have a very large customer base that consists of the small business owners in the construction industry, and they have trusted us with their personal insurance from the beginning,” said Mike. “These small business owners have always seen the value of State Farm as they have even insured their business vehicles and fleets with us, but we were unable to extend that coverage to their business. Such a large portion of Lee County is comprised of contractors and as we continue to grow in Southwest Florida, we are now able to service all their needs. We believe that there is immense value in securing your business with a 100-year-old company that continues to manage the risks of our everyday lives.”
For the first time in over ten years, State Farm is offering service contractors (routine maintenance or repair work) and artisans (skill trade) policies. This coverage is customizable, from liability only to a comprehensive commercial package that can cover mobile equipment, tools, and materials to be installed.
While you’re working on site – as an electrician, lawn care professional, carpenter, etc. – State Farm works behind the scenes to protect your small business in several ways:
- Business Personal Property – Protects your content and equipment from accidental direct physical loss;
- Building Property – Covers your building, storage buildings, garages, fixtures, and other structures;
- Business Liability – Insures you against costly claims and lawsuits;
- Completed Operations – Provides coverage for bodily injury and property damage claims resulting after a construction or service project is completed;
- Mobile Equipment – Provides broad coverage for mobile equipment, tools, and equipment used in contracting operations;
- Installation Floater – Provides broad coverage for business property you own or are responsible for while in transit, awaiting installation, or being installed at the job site and
- Property of Others – Pays for property damage to the property of others while the property of others is in your care, custody, or control.
“Depending on the type of services you provide, the number of employees you have and other factors, what’s covered in your Artisan and Service Contractors Insurance policy may require add-ons and we are happy to help local business owners determine what works best for their company’s unique needs,” said Mike
Additional coverage available that you may want to consider:
- Commercial auto – covers the cars, trucks, vans, and other vehicles used to support your business operation;
- Workers’ compensation – protects your crew against work-related injuries or illness and
- Surety and fidelity bonds – guarantees your work for licensing requirements and can also give potential customers added peace of mind.
“Additional coverage can mean the difference between a minor setback and keeping your business open,” said Dawn.
The Sullivan State Farm team is here to help whether you’re currently covered or looking to determine the best insurance options for your business. For more information or to schedule an appointment, please call the Sullivan State Farm Agency at 239-541-3276 or visit the agents’ websites: mikesullivan1.com or dawnsullivan.net.
About the Sullivan State Farm Agency
Established in 2007, the Sullivan State Farm Agency is the office of State Farm agent Michael Sullivan and State Farm agent Dawn Sullivan. The family-focused business specializes in helping families and small business owners find the insurance coverage to protect their loved ones at every stage in life. For more information about Michael Sullivan, visit mikesullivan1.com. For more information about Dawn Sullivan, visit dawnsullivan.net. To contact the office, call 239-541-3276.
