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Proud Member Of Building Industry Association Of Okaloosa-Walton Counties
Coastal weather, materials in transit, and changing jobsites deserve a place in your insurance review. Find practical resources for your building business.
Connected to the Okaloosa-Walton building community
BIAOW is a professional organization for builders, developers, and associates in Okaloosa and Walton counties. It is affiliated with the Florida Home Builders Association and the National Association of Home Builders.
The Southern Agency’s relationship is membership in BIAOW. Our insurance conversations focus on your business, its projects, and the risks you need to address.
Insurance considerations
Wind, water, and project timing
Review wind deductibles, flood exclusions, and storm preparation requirements before construction starts. Flood protection requires a separate discussion.
Materials away from the site
Stored materials, deliveries, and equipment moving between projects may need coverage beyond the building under construction.
Work after completion
Completed operations and contractual obligations can continue after handover. Discuss the work you perform and how long responsibilities remain.
Industries
For builders, developers and associates in Okaloosa and Walton counties, start with the work your business performs. These guides focus on construction operations.
- Single-Family Home BuilderFor Northwest Florida homebuilders reviewing new structures, materials and weather-related project interruptions.
- General ContractorFor contractors coordinating coastal jobsites, subcontractors and responsibilities that remain after handover.
- Residential RemodelerFor renovations in existing homes, where occupancy and customer property need separate attention.
Policy types
Coastal projects call for specific questions about wind, water, and storage. Ask an agent about deductibles, exclusions, and the forms available for each location.
- Builders Risk InsuranceDiscuss wind deductibles, storm preparation and construction dates for the Okaloosa or Walton county project address.
- Commercial Flood InsuranceReview flood exposure separately; a builders risk or property policy should not be assumed to cover rising water.
- General Liability InsuranceReview injury and property damage claims during construction and completed operations after the work is handed over.
- Inland Marine InsuranceAsk about materials stored away from the jobsite, deliveries, and equipment moving among coastal projects.
- Workers Compensation InsuranceShare payroll by type of work and subcontractor details, and review the rules applicable to the people on your Florida jobsites.
- Business Auto InsuranceList work vehicles, drivers, and travel between jobsites; discuss business use of employees’ own vehicles as well.
