The financial well-being and stability of subcontractors is an ever-present concern for most general contractors. When subcontractors fail to complete the full scope of their work, projects can stall, leading to frustrating and costly delays. Subcontractor Default Insurance can help manage your risk.
To protect
against subcontractor default, general contractors have traditionally relied on
performance bonds. However, given increases in cost to acquire performance
bonds and the prolonged investigation process required should a subcontractor
default, more and more general contractors are turning to subcontractor default
insurance (SDI) to help manage their risk.
What Is Subcontractor Default Insurance?
SDI, which entered the U.S. market in the late
1990s, is an insurance product designed to protect businesses from
losses arising when a subcontractor defaults on its obligations.
Under an SDI policy, a general contractor enrolls all
prequalified subcontractors for a specific project or policy term. The general
contractor is then indemnified by the insurance company for any covered direct
or indirect costs incurred if one of the subcontractors defaults on
performance. It’s not uncommon for contractors to have annual subcontracted
values of $75 million or more, so, when a subcontractor defaults, it can
seriously impact a general contractor’s profitability.
SDI policies generally cover losses related
to first-tier subcontractors (contractors in direct contract with the general
contractor) and second-tier contractors (contractors in direct contract with
first-tier subcontractors, including suppliers). SDI policies also provide
coverage for losses that are the indirect result of a subcontractor default,
such as
liquidated damages, acceleration of other subcontracts and extended
overhead.
Subcontractor Default Insurance vs. Performance Bonds
The fundamental
distinction between SDI and performance bonds relates to the relationships
created by the two products. Surety, including performance bonding, is always a
three-party relationship
between the contractor (the obligee), the subcontractor (the principal) and a
surety company.
When
performance bonds are used, the surety company initiates the process by
thoroughly screening the subcontractor. The surety reviews a number of factors,
such as the subcontractor’s financial well-being, credit history and ability to
perform the work. If a subcontractor passes scrutiny, it is bonded, and the surety assumes the
risk of the subcontractor defaulting.
SDI, conversely, only involves two parties—the
insurer and the insured general contractor. The general contractor purchases
SDI to insure the performance of its subcontractors. Contractors typically
purchase one SDI policy and enroll all of their subcontractors under that
policy.
SDI
policies do not provide a guarantee of performance or payment. Rather, in the
event that an enrolled subcontractor defaults on its obligations, the insurer directly indemnifies the
contractor for costs related to the subcontractor’s default. Typically, the
general contractor must absorb some of the costs associated with resolving the
subcontractor’s default, often up to the deductible amount.
One of the
reasons contractors may prefer SDI to bonds is because, with SDI, the claims
process is faster and more reliable. Whereas with bonds, if a subcontractor
defaults, the contractor has to wait for the surety to investigate the claim,
which can create frustrating delays on time-sensitive projects.
Benefits of SDI for General Contractors
SDI can
provide a number of important benefits to general contractors. The following is
an overview of what SDI can bring to the table:
Coverage limits—Unlike
surety bonding where coverage is limited to the penal sum of the bond, SDI
coverage is not tied to the value of the subcontract. SDI coverage extends
to the limits of the policy, which can be as high as $50 million.
Accordingly, in
instances where the cost to remedy a subcontractor default is more than
the penal value of a bond, there would be greater protection for the
general contractor under SDI.
Consistency—As previously mentioned, bonds are a three-party agreement. Using
bonds, general contractors are left having to manage agreements across
multiple sureties and projects. SDI replaces this complicated system with
one policy and one set of terms and conditions. As a result, SDI reduces
administrative costs, improves the effectiveness of a response to a
default and enhances the efficiency of the claims process.
Broader coverage—In addition to direct costs, SDI includes coverage for
indirect expenses. This can include things like liquidated damages,
acceleration of other subcontracts and extended overhead. With SDI, a
contractor’s loss is not capped by a bond, and default insurance typically
has higher limits.
Control—SDI
policies allow general contractors to control which subcontractors are
enrolled under the policy. Policies also permit general contractors to
exercise judgment on how to remedy a subcontractor’s default. Contractors
that are suitable for an SDI program will often have a well-developed
process to screen unqualified subcontractors and suppliers.
Finding the Right Fit
Subcontractor Default Insurance can provide a sound alternative to performance bonds for general contractors in many settings. Large general contractors that possess the resources to properly vet subcontractors’ qualifications can benefit from the cost savings generated by SDI.
It is important for all general contractors to remember that both performance bonds and SDI have their place in the construction industry and each services a different purpose. Be sure to contact your GDI Insurance Agency, Inc. representative to discuss which product best fits the needs of your next project.
California’s Leader in Insurance and Risk Management
As one of the fastest growing agencies in California, GDI Insurance Agency, Inc. is able to provide its clients with the latest and greatest of what the insurance industry has to offer and much, much more.
We are headquartered in Turlock, CA, with locations across the heart of California’s Central Valley, Northern California and beyond to provide a local feel to the solutions and services we provide our clients. We pride ourselves on exceeding our client’s expectations in every interaction to make sure that our client’s know how much we value and appreciate their business. Contact us today 1-209-634-2929 for your comprehensive contractor insurance quote!
According to the National Institute for Occupational Safety and Health (NIOSH), 1 in 4 construction workers suffers from some degree of hearing loss. Power tools, heavy equipment and even hand tools like hammers can all generate significant levels of noise, which, in turn, can negatively impact hearing. Hearing protection is an important step in your construction safety program.
Prolonged exposure to excessive noise is particularly dangerous
and can lead to tinnitus, which is characterized by ringing, buzzing and
roaring in the ears. In some cases, harmful levels of noise can lead to
permanent hearing loss.
To keep employees safe, the Occupational Safety and Health Administration (OSHA) has specific regulations related to workplace noise exposure. This Safety Matters provides a general overview of these regulations and ways you can stay safe on the job.
Noise is measured in units of sound pressure levels called
decibels (dB). Often, decibels are expressed as dBA, which refers to A-weighted
sound levels. Essentially, this measurement is more specific than dB alone, as
it accounts for relative loudness perceived by the human ear.
To protect workers and their hearing, OSHA has a specific level of
how much noise an employee is allowed to be exposed to called the permissible
exposure limit (PEL). Per OSHA, the PEL for noise is 90 dBA over an eight-hour
workday. At this level, employees are required to wear hearing protection. In
addition, for every 5 dBA above the action level, the duration of employee
exposure to noise must be cut in half (e.g., 85 dBA/eight hours, 90 dBA/four
hours, 95 dBA/two hours). Furthermore, exposure to noise should not exceed 140
dBA.
Beyond adhering to OSHA’s PEL, employees should avoid noise levels
above 85 dBA without protection. Additionally, OSHA recommends following the
2-3 foot rule. This rule states that if you have to raise your voice to talk to
a co-worker that is 2-3 feet away, you should assume noise levels are 85 dBA or
above.
Protecting
Yourself From Harmful Noise
Tinnitus and hearing loss can be debilitating and irreversible.
However, being aware of the symptoms of hearing loss can go a long way toward
ensuring your health and safety at work. Common symptoms of hearing loss
include the following:
Straining to understand conversations
Needing to have things repeated frequently
Increasing television or radio volumes to excessive levels
Ringing in your ears or feeling dizzy
Hearing Protection Devices
Your ears are very sensitive. Prolonged exposure
to loud noise can lead to permanent hearing damage and even cause you to go
deaf. OSHA recommends that workers use hearing protection should noise levels
reach or exceed 85 decibels across an eight-hour workday. Should noise exceed
90 decibels, hearing protection is required.
Noise Reduction Rating
All hearing protection devices have a noise
reduction rating (NRR) listed on their respective packaging. The NRR refers to
how many decibels by which an environment’s noise levels will be reduced. For
example, in an environment of 90 decibels, a hearing protection device with an
NRR would reduce the noise levels to 57.
But, research suggests that NRRs tend to
overestimate the effectiveness of devices. It is therefore suggested that
devices undergo a “derating” process. Derating refers to the assumption that
devices will generally not perform perfectly to their NRR due to them not
fitting everyone perfectly. One method by which a device can be derated is to
subtract seven from its NRR and divide the result in half. For example, an NNR
of 33 would result in a derated rating of 13. In the previous example, the
device in question would actually only reduce noise levels from 90 to 77, not
57.
According to industry experts, earmuffs are
generally most accurate when it comes to NRR, while earplugs might have their
ratings derated by as much as 70%.
Of course, different types of hearing protection
have their own advantages and disadvantages.
Hearing Protection: Earplugs
Earplugs can be made from expandable foam or
pre-molded using silicone, plastic or rubber. They provide blockage inside the
ear canal.
Advantages:
Typically provide a high noise
reduction rating (NRR)
Affordable
Compatible with other forms of
personal protective equipment (PPE) such as hard hats, glasses and goggles
Small, light and easily
transported
More comfortable in hot, humid
or confined work areas
Disadvantages:
Easily misplaced
Require good hygiene practices
May be inserted incorrectly,
resulting in inadequate protection
May irritate the ear canal
When an earplug is inserted correctly, the sound
of your own voice should be muffled.
Hearing Protection: Earmuffs
While earplugs are inserted inside the ear canal, earmuffs provide protection by covering the canal and sometimes the entire ear.
Advantages:
Typically provide a high NRR
Fast and simple to put on and
take off
One size fits most employees
Easy for others to see that you
are using them at a distance
Not easily misplaced
Disadvantages:
Less portable, heavier
Sometimes incompatible with
other PPE; however, there are special earmuffs that easily mount to hard hats
Can be uncomfortable or
inconvenient in hot, humid or confined work areas
Hearing Protection: Canal Caps
Canal caps are somewhat of a hybrid between
earplugs and earmuffs. They look similar to earplugs, but instead of being
actually inserted into the ear canal, they form a lid over the entrance to the
canal and are often connected by a band that can be worn around the head,
around the neck or below the chin.
Advantages:
Fast and simple to put on and
take off
One size fits most employees
Light and easily transported
Disadvantages:
Typically have a lower NRR than
earplugs and earmuffs
Band may be uncomfortable or
inconvenient for employees
More expensive than ear plugs
Summary
While there are some differences between
different kinds of hearing protection equipment, their overall purpose remains
the same: the safety of employees.
When using hearing protection, be sure that you are using it properly in order to make sure that it is as effective as possible. At times, it may be necessary to use two types of protection, such as both plugs and muffs, simultaneously. If you have questions or concerns about hearing protection devices, contact your supervisor.
California’s Leader in Insurance and Risk Management
As one of the fastest growing agencies in California, GDI Insurance Agency, Inc. is able to provide its clients with the latest and greatest of what the insurance industry has to offer and much, much more.
We are headquartered in Turlock, CA, with locations across the heart of California’s Central Valley, Northern California and beyond to provide a local feel to the solutions and services we provide our clients. We pride ourselves on exceeding our client’s expectations in every interaction to make sure that our client’s know how much we value and appreciate their business. Contact us today 1-209-634-2929 for your comprehensive construction insurance quote!
Dealing with high voltage while performing electrical work can be very dangerous and, when things go wrong, the results can be catastrophic. Of such events, arc blasts are near the top of the list when it comes to the most hazardous. Arc Blasts send a luminous, high voltage current through the air which can reach temperatures well over 30,000 degrees. At such high temperatures, an arc blast can not only cause severe injury or death but can also present a serious fire hazard. That is why it is extra important to recognize such risks and prepare for them in a way that ensures the safety of yourself and those around you.
Arc Blast Hazards
There are three primary hazards associated with
an arc-blast:
Arcing gives off thermal radiation (heat) and intense light, which can cause severe burns. Several factors affect the degree of injury, including the area of skin exposed and type of clothing worn.
A high-voltage arc can produce a considerable pressure wave blast. A person 2 feet away from a 25,000-amp arc feels a force of about 480 pounds on the front of the body. The pressure wave can throw the victim away from the arc-blast and can cause serious ear damage and memory loss due to concussion.
A high-voltage arc can cause the copper and aluminum components in electrical equipment to melt. These droplets of molten metal can be thrown great distances by the pressure wave. Although these droplets harden rapidly, they can still be hot enough to cause serious burns or cause ordinary clothing and nearby materials to catch fire, even at distances of 10 feet or more.
By using the appropriate control methods, the
risk of arc blast can be greatly reduced.
De-energize any equipment that
needs to be worked on. Never use convenience or time constraint as an excuse
for not turning the power off.
Use lockout/tagout practices to
prevent accidental startup while you are performing work.
Test voltage before starting
work to ensure that equipment has been de-energized.
Use the proper personal
protective equipment, such as voltage-regulated gloves, fire resistant clothing
and a face shield. Always use PPE in addition to other safety controls.
If you must work with live
power, make sure that the immediate area is clear of any flammable materials or
explosive vapors or gases that could ignite in the event of an arc.
Extinguishing Electrical Fires
If a fire does break out as a result of an arc
blast or other electrical malfunction it is important to respond with the
proper fire control method.
Use only fire extinguisher with
a Class C rating on electrical fires. Extinguishers meant for other materials
may make electrical fires worse.
Never use water to stop an
electrical fire.
If the fire is beyond your
ability to control, call 911 immediately.
California’s Leader in Insurance and Risk Management
As one of the fastest growing agencies in California, GDI Insurance Agency, Inc. is able to provide its clients with the latest and greatest of what the insurance industry has to offer and much, much more.
We are headquartered in Turlock, CA, with locations across the heart of California’s Central Valley, Northern California and beyond to provide a local feel to the solutions and services we provide our clients. We pride ourselves on exceeding our client’s expectations in every interaction to make sure that our client’s know how much we value and appreciate their business. Contact us today 1-209-634-2929 for your comprehensive contractor insurance quote!
Building and construction projects are complicated with no shortage of things that can go wrong. With everything that can happen during the construction process, it is essential to have the proper insurance in place. Of all of the different insurance coverages to consider, builders risk insuranceis one of the most essential for companies in the construction industry.
While builders risk insurance, also sometimes
referred to as course of construction insurance, is important, it is also very
complex and easily misunderstood. This Coverage Insights
examines what you need to know about builders risk insurance and how it can
protect your company.
What Is Builders Risk Insurance?
Builders risk insurance is a
specialized type of property insurance that is intended to provide protection
for buildings and structures that are under construction. These policies
protect project owners, general contractors and subcontractors against direct
physical loss or damage to covered property.
In many instances, builders risk
policies also provide coverage for materials and supplies that are on-site, in
transit and being stored temporarily at off-site locations if they are intended
to become a permanent part of a building or structure. What’s more, builders
risk policies can be written to include coverage for loss of income and
additional expenses. This coverage would apply if the completion of a project
is delayed due to property damage caused by a covered cause of loss.
Builders risk coverage is a temporary
form of insurance. Coverage applies only during the course of construction,
erection and fabrication. In most cases, builders risk coverage stays in force
until a construction project is accepted by the project owner or once
construction is considered complete. Once construction is completed, it is up
to the owner of the building or structure to secure traditional property
insurance.
Another thing to keep in mind is that
there is no standard form of builders risk insurance. Policies can vary between
insurance companies, and, in many instances, the coverage terms of a builders
risk policy can be negotiated. In most cases, builders risk policies are
written on an “all risk” basis. This means that coverage applies for all causes
of loss except those specifically excluded by the policy.
What Am I Protected From?
This insurance can cover a wide range of causes of property damage. The exact parameters of your policy may vary, but in general, builders risk insurance includes coverage for the following causes of property damage:
Fire
Wind
Hail
Theft
Lightning
Explosion
Impact by vehicle or aircraft
Vandalism
It is important to comb over your
policy carefully in order to make sure you are aware of what is and isn’t
covered under your builders risk insurance. Builders risk policies often do not
provide coverage for property damage caused by flaws in design, planning or
workmanship. Other specific exclusions may be included in your policy. While
exclusions vary from policy to policy, the following cases of loss are
typically not covered under builders risk policies:
Property damage caused by employee dishonesty or theft
Property damage caused by earthquakes
Acts of war
Government actions
Mechanical breakdowns
California’s Leader in Insurance and Risk Management
Builders risk insurance is necessary
coverage for many businesses. Remember, we’re here to help you with all of your
construction industry insurance needs. Protect your project, your wallet and
your company by contacting GDI Insurance Agency, Inc. to discuss builders risk
insurance today.
As one of the fastest growing agencies in California, GDI Insurance Agency, Inc. is able to provide its clients with the latest and greatest of what the insurance industry has to offer and much, much more.
We are headquartered in Turlock, CA, with locations across the heart of California’s Central Valley, Northern California and beyond to provide a local feel to the solutions and services we provide our clients. We pride ourselves on exceeding our client’s expectations in every interaction to make sure that our client’s know how much we value and appreciate their business. Contact us today 1-209-634-2929 for your comprehensive Contractors insurance quote!
On Oct. 1, 2019, the Occupational Safety and Health Administration began using a new OSHA Weighting System (OWS) for the 2020 fiscal year, creating OSHA inspection changes. The administration had used its previous weighting system since the 2015 fiscal year.
OSHA hopes that the OWS will encourage the appropriate allocation of resources to support its approach of balancing safety and health in the workplace. The new system is intended to develop and support a management system that focuses enforcement activities on areas where OSHA’s efforts can be most impactful.
OSHA Inspection Changes and Adjustments
The OWS comes with several
adjustments and adaptions compared with its predecessor, including additional
enforcement initiatives, such as site-specific targeting. The new system also
encourages the agency’s field staff to conduct compliance-assistance
activities.
Previously, OSHA inspections were weighted heavily based on the amount of time that they took to conduct. With the OWS, OSHA is hoping to make time less of a factor when weighting the potential impact of an inspection while emphasizing other factors that have an effect on overall workplace safety and health.
The new OSHA Inspection Changes have been formulated based on a working group’s recommendations and evaluation of existing criteria.
What has Changed?
The previous weighting system
measured inspections using enforcement units. The OWS will continue to tally
enforcement units, but will do so based on different factors, such as agency
priorities and the impact of inspections. OSHA hopes that the OWS will further
its goal of taking a balanced approach toward workplace health and safety and
will properly incorporate the three major work elements performed by its field
agents: enforcement activity, essential enforcement support functions and
compliance-assistance efforts.
“Moving forward, inspections will be weighted based on a combination of factors, such as if the inspection targets a highly hazardous workplace, if it is conducted as part of a strategic hazard emphasis program or by the complexity of the inspection.”
According to OSHA, the changes in how inspections will be weighted under the OWS will make it impossible to fairly compare total enforcement units moving forward to numbers from past years. For example, the new system gives additional weight to programmed inspections targeting what the agency calls the “fatal four/focus four,” which refers to the leading causes of workplace fatalities: Falls, struck-by object, electrocutions and caught-in/between.
Under the previous system, the 2016-18 fiscal years consisted of 40,199,
38,692 and 38,760 total enforcement units respectively. If applied to the new
system, those numbers would have all been over 60,000. OSHA does plan to apply
the OWS retroactively for past years and compare both methods in order to
assess the performance and appropriateness of the new system.
OSHA Inspection Changes Moving Forward
Moving forward, OSHA inspections will be weighted based on a combination of factors, such as if the inspection targets a highly hazardous workplace, if it is conducted as part of a strategic hazard emphasis program or by the complexity of the inspection.
Overall, OSHA’s goal for the OWS is to put an emphasis on enforcement
and compliance assistance in order for the agency and its agents to be able to
be proactive in promoting safety and health in the workplace, rather than being
reactive to incidents after they have occurred.
Click here to read OSHA’s official press release regarding the OWS. For additional information from the agency, click here.
California’s Leader in Insurance and Risk Management
As one of the fastest growing agencies in California, GDI Insurance Agency, Inc. is able to provide its clients with the latest and greatest of what the insurance industry has to offer and much, much more.
We are headquartered in Turlock, CA, with locations across the heart of California’s Central Valley, Northern California and beyond to provide a local feel to the solutions and services we provide our clients. We pride ourselves on exceeding our client’s expectations in every interaction to make sure that our client’s know how much we value and appreciate their business. Contact us today 1-209-634-2929 for your comprehensive insurance quote!
What You Need to Know About Contractor Insurance Services
You know that insurance is essential for your construction business, but did you know that not all contractor insurance services brokers are the same? If you tend to compare policies based solely on price and coverage, then you are missing vital services that only select brokers can provide—services that will save you time and money. An expert broker in the construction insurance industry knows that contractors need the right insurance coverage and services that include superior risk control, claims processing and underwriting service.
GDI Insurance Agency, Inc. your contractor insurance services experts! 209-634-2929.
Risk Management Part of our Contractor Insurance Services
Most, if not all, brokers offer some type of risk management control advice as part of their agency’s services. However, the quality and depth of their risk control offerings is the key differentiator. Many brokers will provide only general suggestions and generic safety programs. While those can be useful, a more comprehensive, in-depth risk control program is extremely advantageous for a contractor.
Rather than
relying on general advice, brokers who specialize in the construction industry
can give you tailored industry guidance. The most dedicated brokers will send a
safety specialist to your worksite in order to observe your operations and
create a customized risk control and safety program tailored to your unique
business needs. Only after a broker understands your day-to-day needs and
challenges can he or she provide meaningful solutions.
A good risk
control program should emphasize safety as paramount. Worksite accidents are
expensive, both in terms of claims costs and future premium increases—but also
in hidden costs. You may not realize just how expensive an accident can be:
Loss of profits: Accidents may interrupt work for a time period or
even cause projects to run late. In addition, property damage involved in the
accident may be time consuming and costly to repair.
Soft costs: Accidents may also require manpower to be redirected
away from completing construction work to manage other responsibilities, such
as additional paperwork, meeting with law enforcement or following up on
investigations.
Market image: No one wants to hire a contractor prone to accidents,
and one or two high-profile accidents could give your firm a bad reputation.
Your safety track record is an important component to winning future bids.
Psychological impact: Other employees often have strong reactions
following a serious or fatal accident. They may blame the company for not
protecting their co-worker or may simply need time to deal with the trauma they
witnessed or were a part of. This could impact your retention and ability to
hire quality workers in the future.
These examples
show just how important an effective safety program is, and a good broker will
help you develop comprehensive safety initiatives to address any and all risks
your company faces. Remember, too, that certain safety initiatives are mandated
by law. Plus, many construction insurance policies will only pay claims if you
can demonstrate that your company follows strict health and safety guidelines.
Claims Processing
The aftermath of
an accident can be a stressful and overwhelming time, and you need a broker who
is quick, efficient and knowledgeable with handling claims and helping you
manage the accident site. You may want to consider a broker whose agency has a
local office, to ensure they are familiar with your geographic area and local
nuances that can affect claims processing and settlement. In addition, your
broker should have extensive experience with construction industry claims, so that
your claim is properly handled. A local
broker can also prove more responsive after an accident. You may have to deal
with the media or law enforcement officials, and your insurance representative
can help manage that situation. Some agencies will insist on waiting for a
claim to be processed before visiting the site, but dedicated brokers will be
there immediately to help with preserving evidence, serving as a liaison and
managing the accident site.
Breadth of Insurance Coverage
There are many types of insurance that a contractor needs, and only agents that specialize in the construction industry will be able to ensure that you are fully covered. If your broker takes the time to learn and understand your business operations and the unique risks of your company, he or she will be able to put together a comprehensive coverage package. Beyond the standard general liability insurance, commercial auto insurance, workers’ compensation insurance and excess liability and property insurance coverages, you may benefit from marine, professional liability, surety coverage and more.
Your broker
should know how to coordinate your various policies to ensure that there are no
gaps in coverage. When a claim occurs, a good broker will help liaise with the
carriers to sort out who will handle the claim. Some policies may have
exclusions that your broker should be aware of and can address with an
alternative solution, such as a general liability policy that has a pollution
exclusion. If you work in multiple states, that also may have implications for
your coverages. Your broker must understand and manage all of these aspects to
ensure that you are appropriately covered.
Another risk issue in the construction industry is subcontractors. You should be able to count on your broker to advise you on how to handle that relationship to best protect yourself. For instance, you may be sued for mistakes made by a subcontractor. So, in addition to including an indemnity clause in your contract, you may want to require the subcontractor to add you to their commercial general liability policy as an additional insured. A good broker will also assist you in handling any claims that arise due to a subcontractor’s mistake, which can potentially be messy and confusing.
Underwriting Service
Underwriting can
hold up the quoting process when putting together a coverage package. However,
brokers who have relationships with carriers and underwriters they trust can
work to ensure the quickest turnaround time for a quote. Though this
behind-the-scenes exchange normally does not impact you directly, agents who
work with reliable, responsive underwriters can save you time when quoting a
renewal or new policy.
Obtaining contractor insurance services should be a strategic component of your business. Developing a comprehensive insurance program to support your unique business needs is not something just any broker can deliver. At GDI Insurance Agency, Inc., we specialize in construction insurance and our dedicated agents are committed to learning your business and developing a customized insurance and safety plan for you. Contact GDI Insurance Agency, Inc. today 209-634-2929.
California’s Leader in Insurance and Risk Management
As one of the fastest growing agencies in California, GDI Insurance Agency, Inc. is able to provide its clients with the latest and greatest of what the insurance industry has to offer and much, much more.
We are headquartered in Turlock, CA, with locations across the heart of California’s Central Valley, Northern California and beyond to provide a local feel to the solutions and services we provide our clients. We pride ourselves on exceeding our client’s expectations in every interaction to make sure that our client’s know how much we value and appreciate their business. Contact us today 1-209-634-2929 for your comprehensive contractor insurance quote!
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