Home Builders Insurance

Webber & Associates, Inc. was established in 1977 as an independent insurance agency specializing in providing quality insurance protection to the residential home builder.  Over the next 30 years, Webber became well known in Georgia as a market leader in insuring Homebuilder accounts.  Our efforts have saved builders in Georgia literally millions of premium dollars, while we provided the broadest coverage available. 

In 2007, as the residential construction industry began its decline, we were there to assist our clients in their efforts to maintain quality insurance protection at a minimum cost during this difficult time. We have always felt an obligation to provide quality service to our policyholders throughout their time with us, especially in tough times. Despite the challenges we all face due to the current economic conditions, our goal hasn’t changed. We seek to provide the best insurance value in the marketplace for our clients.

The good news is that we still offer the best insurance value in Georgia for Homebuilders.  Our BUILDERS RISK, GENERAL LIABILITY, and WORKERS COMP carriers are all leaders in the industry. We offer broad coverage programs and great rates for builders of all sizes.   We also offer the support lines such as coverage for TOOLS and EQUIPMENT, MODEL HOMES and CONTENTS, OFFICE CONTENTS, COMMERCIAL AUTOMOBILE, EMPLOYEE DISHONESTY, COMMERCIAL UMBRELLA, STANDING INVENTORY coverage, and other important needs.  We want to help you be successful by working with you to set up a plan to protect your homebuilding operation from those unexpected accidents or events that can put your business in jeopardy.  Having a good protection plan in place is crucial for your long term success.      

Auto - Commercial

A commercial automobile insurance policy is required under most circumstances when a vehicle is used for business purposes and meets certain other requirements. It is not just the registration that determines the requirement for a business automobile insurance policy. Other requirements are ownership by a corporation, use in hauling goods for hire, and gross vehicle weight of the vehicle. Some small trucks can be owned and insured under a personal automobile insurance policy under specific circumstances.

Commercial automobile insurance policies are not regulated in pricing, as are private passenger policies. There is price competition between insurance companies for good commercial automobile insurance.

Commercial Auto Insurance Quote

Builders Risk

Builders Risk insurance covers a building or other type of structure while it is under construction. Many lenders will not provide financing for a project unless this type of coverage is in place. The policy provides protection from losses resulting from many risks including those of fire, acts of vandalism, and wind damage.  Our policies also include coverage for unique risks such as theft of building materials. Other types of coverages, such as flood, earthquake, or terrorism, may also be obtained, if needed. Be sure to compare polices to be sure you have the most comprehensive coverage.

Commercial Property

Commercial Property protects your business against the loss or loss of use of company property. "Property" can include a variety of types: lost income or business interruption, buildings, computers, money, and valuable papers.

Commercial Property Insurance Quote

Commercial Umbrella

Most package policies provide a liability insurance limit of $1 million for any one loss and $2 million in any one year. For many businesses, this limit is inadequate for real economic security. As a result, additional layers of protection in million-dollar increments are readily available in today's insurance market for most businesses.

Contractor's General Liability

Contractor's General Liability insurance is for residential and commercial builders, general contractors, construction managers, design and build firms, specialty contractors or subcontractors, owners or public and private construction projects.

Contractors General Liability Insurance Quote

Employment Practices Liability (EPLI)

Employment Practices Liability Insurance, otherwise known as EPLI, is insurance that helps protect you against claims from your employees that result from the general conduct of your business. Common examples of employment practices related claims include claims relating to:

• Discrimination
• Wrongful Discharge
• Sexual Harassment
• Hostile Working Environment
• Wrongful Termination
• Lack of Advancement

Inland Marine/Contractors Equipment

Inland Marine coverage involves property with an element of transportation or is the type of
product that is movable and is often at different locations. It is called “Inland Marine” coverage
because it began as ocean marine insurance which held the transporter responsible for property
loss before, during, and after a voyage. As the non-ocean piece of the transport grew, the term
“Inland Marine” was simply expanded to refer to the coverage on all movable property. Inland
Marine policies became known as “floaters” because the property being covered was basically
“floating” or moving around.

Investment Property

If you own an investment property, you should make sure that you carry adequate insurance coverage. Accidents may occur and ultimately cause damage to your investment property. If you do not have the necessary insurance, you will be responsible for the full financial cost.

Owning an investment property brings with it a large degree of liability. In addition to the building itself, you may be responsible for injuries received by others while they are on your property. You could also be held responsible for damage to their belongings.

Investment Property Insurance Quote

Surety Bonds

We work with several of the country's top-rated surety companies to secure:

• Contract Payment and Performance Bonds
• Fidelity Bonds on Employees
• Code Compliance Bonds
• ERISA Bonds
• Professional Service Bonds

Workers' Compensation

Workers' compensation insurance protects employers from claims resulting from injuries to employees. It protects your business from lawsuits and provides employees with compensation for on-the-job injuries.

By law, most employers are required to provide coverage for lost wages and medical bills incurred as a result of on-the-job accidents or illnesses. For many businesses, this coverage is the largest part of its insurance expense.

Workers' Compensation Insurance Quote