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This article is about Construction Insurance, it isn’t about chefs. You’re not going to get some delicious recipes or kitchen tips to stun your family and guests. What we are going to give you, however, are 2 business lessons that come from chefs but are also relevant for contractors.

And, before you go thinking that this is just a cut-and-paste article, it isn’t. The advice you’re getting here is from insurance experts at Farmer Brown. We’ve been in business over 20 years – that’s a whole lot of knowledge and experience. We’re also proud to have an A+ rating with the Better Business Bureau. We also have thousands of 5 star reviews from satisfied customers.



The dangers of the job

We’re not saying that the jobs of chefs and contractors are the same. Yes, kitchens are dangerous because of hot stoves, steaming pots, sharp knives, high pressure and cramped spaces.

However, chefs don’t face the dangers of a construction site. This is where falls, electrocution, being struck by an object, and being crushed are common. The Bureau of Labor Statistics reported 1038 workplace fatalities in the 2018 alone.

Even so, lessons from a chef’s kitchen can be applied to contractors looking for the best Construction Insurance.


2 Top tips from chefs for contractors

1. You are vulnerable

Whether you’re working in a restaurant kitchen or on a building site, you can feel overwhelmed by the pressure. This can include time pressure – will you get the project done on time or will there be delays from suppliers?

These delays could damage your reputation. This, in turn, could damage your ability to secure good jobs in the future. For a contractor, they can also result in fines and penalties. This will affect your financial security.

When you include Builder’s Risk Insurance in your Construction Insurance program, you are less vulnerable. The 2 most important things that are covered when something happens to the building you’re working on are:

• Property Replacement. This is of equal to the value of the property lost.
• Profits. You can be reimbursed for a percentage of profit earned as of the date of the loss.


2. You get what you pay for

For a chef, it is important to get the best tools of the trade, and this is expensive. For instance, if they’re not paying top dollar, they’re not going to get the freshest ingredients. Sub-par produce, utensils and employees threaten their business.

The lesson for contractors is just the opposite. You can protect your business with cheaper rates for your construction insurance. The best insurance for your contractor business does not have to be expensive to be good. Obviously this depends on the quality of your insurance company.

At Farmer Brown Insurance, we can get you the best rates from the best carriers. We represent over 18 different insurance companies from large national companies, to smaller regional companies.



In Construction Insurance, nothing can replace experience

Long before mastering anything, you have to put in a lot of effort. You have to have the discipline to stick at it until you get it right. This experience is invaluable whether you’re a chef, a contractor or an insurance company.

John Brown President Farmer Brown Insurance (888) 973 0016

John Brown – President

This is where our insurance experience can help you. At Farmer Brown Insurance, we will answer your questions about the best Construction Insurance program for your business. Call us at 888 973-0016. We’re here to help.

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