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Forum: Joseph D. Walters Insurance
Joseph D. Walters Insurance

No New Posts   What to do when business slows down? Time for an INSURANCE REVIEW!

March 3, 2015

As a business owner you are used to having your hands full running your business, managing schedules, maintaining equipment and making your customers happy while trying to capture new ones.  That leaves little time to focus on buying the right pressure washing insurance plan. There is a huge difference on what you need versus what other agents may often try to sell you.  That's the #1 reason why you should call and request a review of your current policy from Joseph D. Walters Insurance.

We’ve been insuring mobile cleaning contractors in the pressure washing, roof and window cleaning industry for over 35 years. We know your business and what you need to protect yourself from financial disaster.  Our insurance program has exclusive coverages and exclusive benefits. We can help you choose what’s best for you because we understand your industry!

NEW TO THE BUSINESS?  If your a new start-up in this industry, you really don’t know what to buy or how much. That’s where we can really help you understand what is needed and explain why.

Don't put off completing an insurance review any longer. Our agents are easy to work with and can speak your mobile cleaning contractor language. Call 1-800-878-3808 to speak with one of our agents.

PLUS: Members of preferred professional associations are eligible for discounts up to 25%, $2,000 in equipment coverage and much more!

No New Posts   Understanding Employment Practices Liability Insurance (EPLI)

August 6, 2014

Good reading material to help you understand the challenges you could be facing. In some states, this protection can be added for just dollars per month. Each state has different limits and pricing available. Contact our office if you are interested in learning more about the availability of this coverage in our program!

No New Posts   Understanding Products & Completed Operations Coverage

April 24, 2014

Another tip to help you be smarter about your insurance.

No New Posts   Understanding Subcontractor Liability

March 21, 2014

Another tip to help you be smarter about your insurance.


Started By: Amy Vollmer

Comments: 0

Views: 1933

Last Post: Mar 21, 2014 by Amy Vollmer


No New Posts   Understanding Additional Insureds

March 10, 2014

Attached is another insurance tip from our office written by our very own Bonnie Bradburn. 

Started By: Amy Vollmer

Comments: 1

Views: 1877

Last Post: Mar 11, 2014 by AC Lockyer


No New Posts   Insurance Premium Audits ~ Do you really want to go through that?

January 30, 2014


Insurance Tip #2

Understanding what an

insurance premium audit is.....

and why you don't want one




What you, as a contractor, must

know to protect yourself from the

potential of financial disaster



The insurance premium audit is a provision in most business insurance contracts.  The purpose of the audit is to obtain the exact exposures and compare them to what was estimated by you.  The exposures will be in the form of either payroll or sales figures you will be asked to report.  This information is used to determine your final premium.  It’s the audit that confirms what your premium is..."or should have been".  The audit is completed an entire year after you bought your policy.  Shortly after your policy expires you will need to verify the accuracy of what you estimated when the policy was originally started. 


Here is an example of how an audit can impact you:


#1~ When a contractor goes into business he is asked to estimate what his sales figures will be over  the next 12 months.  It's almost impossible to predict the future.  A million things will happen that are unexpected.  So, a very conservative estimate is often given.  Your agent provides you with a policy costing $700 per year based on your conservative estimate.  Everyone is happy until a YEARlater when the audit paperwork shows up.  First, you have to spend the time filling in and finding all of the information being asked of the insurance carrier.  As your filling out the paperwork you realize that your actual sales figures were actually TWICE the amount of your original estimate.  Then, the audit is processed and you receive a bill for an ADDITIONAL $700.  


At Joseph D. Walters, we hear this complaint over and over again when we are talking to our potential new customers.


Welcome to the world of THE PREMIUM AUDIT


At Joseph D. Walters our policy is NOT subject to any premium audit…EVER.  That means that you’ll know your insurance cost upfront and receiveNO ADDITIONAL BILLS.  It’s a huge advantage especially  when the policy is extremely competitive and full of needed and hard to buy coverages that are already included.


The bottom line is this.  The main reason you purchased insurance is to protect yourself against financial disaster.  Your first mistake can be simply not knowing the differences between a policy that is audited versus one that is not.  Why feel penalized for having a great year?


Call us anytime and talk to any of our licensed professionals.  When you hang up you'll be smarter about insurance.  Whether you are a power washer, roof or window cleaner, dealing with an experienced agency that specializes in the type of insurance coverage you need could be one of the best decisions you make regarding your business. 


Because what you don't know can hurt you...





Joe Walters Insurance







No New Posts   Who was the insurance guy at the softwashapolooza

January 28, 2014

Didn't get a chance to grab his card but what was the number for the insurance company AC recommended on using for GL and Auto?

Started By: Josh Scavetta

Comments: 4

Views: 2310

Last Post: Jan 28, 2014 by AC Lockyer


No New Posts   Please help us at Joseph D. Walters Insurance grow our Facebook page! :)

September 3, 2013

Good Evening,

It's been a great few weeks getting up and running on this forum. I appreciate receiving some nice feedback and developing many business relationships. We would like to keep as many options available to communicate with you and get to know everyone.

I'd like to ask if you have a Facebook account to like our Business page. We are starting to develop that account as well and have liked many of your Business pages already!

I appreciate your help in further developing our relationships and gaining many new ones!



facebook_like_logo[1].gif   https://www.facebook.com/pages/Joseph-D-Walters-Insurance-Agency/427840823970237?ref=hl




-- Edited by Amy Vollmer on Wednesday 4th of September 2013 08:45:00 AM

No New Posts   Greetings From Joseph D. Walters Insurance In Pennsylvania!

August 27, 2013

Good Morning!

My name is Amy Vollmer and I am the Marketing Director for Joseph D. Walters Insurance in Pennsylvania. I look forward to getting to know everyone and assist in answering any questions you may have about insurance for your business. We do specialize in powerwash insurance programs in 45 states!

Every power wash company needs Insurance. But most of us never think about it until there is a claim. That’s not the time to discover that your insurance is not working for you, and that’s not a risk you can afford to take, especially for power washers when it comes to your business. With Joseph D. Walters Insurance you will work with an experienced team that will analyze your business from top to bottom and develop options that provide you with solutions customized for the power wash industry. At Joseph D. Walters we ask questions that allow us to get to know you and better understand how your business operates and do what’s right for you.

Looking forward to talking more and working with you!


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