Fencepost - March/April 2018 - 37

policies. Many insureds found out, much
to their dismay, that they were, in fact, NOT
covered for work they were actually performing (residential, tract housing, etc.).
Since the beginning of the AFA Insurance
Program, a thorough review of each
insured's general liability policies was
undertaken by Alliant Insurance Services,
Inc., to determine whether AFA members
were actually insured for what they thought
they were paying.
We found that many policies lacked basic
coverages, used old, more restrictive policy
forms, or simply excluded residential work,
which comprised the bulk of many members'
work! That is equivalent to not having any
insurance at all.
Those policies were re-designed by Alliant
to include protection for work actually
performed every day (including residential and tract housing work), and updated
to include the latest and broadest coverage
forms approved by the various state insurance departments around the country.
Many AFA members performing residential work, who have not as yet become
members of the AFA Insurance Program,
may still have no coverage per their current general liability policy. We estimate
that approximately 50 percent of the AFA
Insurance Program members did not, at
one time, have residential coverage and were
paying for a policy that did not adequately
cover those needs.
The American Fence Association initiated the development of this program to
give its members:
1) Broader insurance coverage at a competitive price, consistent with the excellent
loss experience of most AFA members;
2) Long-term insurance availability during
both soft and hard insurance markets.
AFA members from New York to California
took advantage of the competitive rates and
broad coverages and joined the AFA Insurance
Program. Many of the AFA members changed
to this program primarily because of the

deficiencies in their current general liability
policies (residential exclusions, inadequate
limits, high deductibles), as well as for economic reasons. To date, the average AFA
insured has saved on average over 15 percent
annually on his or her premiums.
The AFA Insurance Program provides
many advantages that the regular marketplace cannot offer. These advantages
include:
1) $0 deductible on the general liability,
workers' compensation and automobile
coverages (except $1,000 deductible for
comp/collision);
2) No residential exclusion;
3) Ability to receive certificates of insurance
within two hours of the request;
4) Broad and comprehensive coverage that
is needed for all AFA members.
These endorsements and coverages are
especially important for AFA members
on the west coast, including California,
Nevada, New Mexico, Alaska, Washington
and Texas. Many builders will not accept
certificates of insurance without specific
policy wording found in the additional
insured endorsement or without the above
endorsements.
AmTrust is the insurance carrier for
many of the AFA Insurance Program
members and is sponsored by the American
Fence Association.
If you want additional information
about the advantages of the AFA Insurance
Program, please contact Andrew Stergiou at
212-603-0321 or astergiou@alliant.com. ■
Alliant Insurance Services, Inc. is the insurance consultant for the AFA Insurance
Program and reviews and analyzes all current
policies with the insured to confirm each AFA
member has the necessary business coverage.
Alliant Insurance Services, Inc. is the consulting broker for the AFA Insurance Program
and is one of the largest and most experienced
insurance and surety bond brokerage firms
in the country.

"DKTX, LLC, dba DoorKing of Texas, must be the biggest winner of the American Fence
Association 'Members Savings Program.' In 2013 and 2014, we had a few claims on our
auto insurance that made it soar! I provided Andy Stergiou with Alliant Insurance
a copy of our policies and five years of run loss reports for a comparison quote. He
is amazing. He saved us more than 50 percent on our insurance package for 2017."
- Paula Reese - DoorKing of Texas - Texas

www.americanfenceassociation.com | 37 | March/April 2018

ADVANTAGES
OF THE

AFA
INSURANCE
PROGRAM

* General liability, automobile and work*
*
*
*
*
*

ers' compensation written with AmTrust,
an A XV-rated company by AM Best;
$0 deductible on the general liability,
workers compensation and automobile
(except $1,000 comp/collision deductible) on all policies;
No residential exclusion;
Ability to receive certificates of insurance
within two hours of the request via email;
Policies specifically tailored for
AFA members;
General liability with a per project
aggregate;
Broad and comprehensive coverage;
❍ Completed operations for additional
insureds
❍ General liability, workers' compensation and automobile liability waivers of subrogation (blanket waiver
of subrogation);
❍ Primary
and non-contributory
endorsement.


http://www.americanfenceassociation.com

Table of Contents for the Digital Edition of Fencepost - March/April 2018

EDITOR’S NOTE
EXECUTIVE DIRECTOR’S MESSAGE
PRESIDENT’S MESSAGE
OFFICERS AND BOARD OF DIRECTORS | CHAPTER PRESIDENTS COMMITTEE
FENCELINES
IN MEMORIAM
FENCE PROFESSIONALS FLOCK TO PHOENIX FOR FENCETECH 2018
ON THE FENCE
MINDING YOUR BUSINESS
CANINE CRIBS
SAFETY IN PARADISE
AFA BESTOWS TOP HONORS AT FENCETECH 2018
VMA
WORKPLACE RESOLUTIONS FOR THE NEW YEAR
MEMBER SAVINGS PROGRAM
NEW MEMBERS
MEMBERS ON THE MOVE
CALENDAR
CHAPTER NEWS
INDEX TO ADVERTISERS
Fencepost - March/April 2018 - Intro
Fencepost - March/April 2018 - cover1
Fencepost - March/April 2018 - cover2
Fencepost - March/April 2018 - 3
Fencepost - March/April 2018 - 4
Fencepost - March/April 2018 - 5
Fencepost - March/April 2018 - 6
Fencepost - March/April 2018 - 7
Fencepost - March/April 2018 - 8
Fencepost - March/April 2018 - 9
Fencepost - March/April 2018 - 10
Fencepost - March/April 2018 - 11
Fencepost - March/April 2018 - 12
Fencepost - March/April 2018 - EDITOR’S NOTE
Fencepost - March/April 2018 - 14
Fencepost - March/April 2018 - EXECUTIVE DIRECTOR’S MESSAGE
Fencepost - March/April 2018 - 16
Fencepost - March/April 2018 - PRESIDENT’S MESSAGE
Fencepost - March/April 2018 - 18
Fencepost - March/April 2018 - OFFICERS AND BOARD OF DIRECTORS | CHAPTER PRESIDENTS COMMITTEE
Fencepost - March/April 2018 - FENCELINES
Fencepost - March/April 2018 - 21
Fencepost - March/April 2018 - 22
Fencepost - March/April 2018 - 23
Fencepost - March/April 2018 - 24
Fencepost - March/April 2018 - 25
Fencepost - March/April 2018 - IN MEMORIAM
Fencepost - March/April 2018 - 27
Fencepost - March/April 2018 - FENCE PROFESSIONALS FLOCK TO PHOENIX FOR FENCETECH 2018
Fencepost - March/April 2018 - 29
Fencepost - March/April 2018 - ON THE FENCE
Fencepost - March/April 2018 - 31
Fencepost - March/April 2018 - 32
Fencepost - March/April 2018 - 33
Fencepost - March/April 2018 - 34
Fencepost - March/April 2018 - 35
Fencepost - March/April 2018 - MINDING YOUR BUSINESS
Fencepost - March/April 2018 - 37
Fencepost - March/April 2018 - CANINE CRIBS
Fencepost - March/April 2018 - 39
Fencepost - March/April 2018 - SAFETY IN PARADISE
Fencepost - March/April 2018 - 41
Fencepost - March/April 2018 - 42
Fencepost - March/April 2018 - 43
Fencepost - March/April 2018 - 44
Fencepost - March/April 2018 - 45
Fencepost - March/April 2018 - AFA BESTOWS TOP HONORS AT FENCETECH 2018
Fencepost - March/April 2018 - 47
Fencepost - March/April 2018 - 48
Fencepost - March/April 2018 - 49
Fencepost - March/April 2018 - 50
Fencepost - March/April 2018 - 51
Fencepost - March/April 2018 - 52
Fencepost - March/April 2018 - VMA
Fencepost - March/April 2018 - WORKPLACE RESOLUTIONS FOR THE NEW YEAR
Fencepost - March/April 2018 - 55
Fencepost - March/April 2018 - 56
Fencepost - March/April 2018 - 57
Fencepost - March/April 2018 - 58
Fencepost - March/April 2018 - MEMBER SAVINGS PROGRAM
Fencepost - March/April 2018 - NEW MEMBERS
Fencepost - March/April 2018 - 61
Fencepost - March/April 2018 - 62
Fencepost - March/April 2018 - CALENDAR
Fencepost - March/April 2018 - CHAPTER NEWS
Fencepost - March/April 2018 - 65
Fencepost - March/April 2018 - INDEX TO ADVERTISERS
Fencepost - March/April 2018 - cover3
Fencepost - March/April 2018 - cover4
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