Bonded Builders Insurance Services (BBIS)

Bonded Builders Insurance Services
PO Box 33012
St. Petersburg, FL 33733

Phone:877-219-9519
Fax:800-660-8929

Email:bbis@bankersinsurance.com

For More Infomation: If you'd like more information on any of our products and services, please complete and submit this form.

Check One:
Individual or Family	Business

Products. Check all that apply:
Homeowners Flood Business Owners Policy	Dwelling Fire Excess Flood General Liability

Questions or comments:


Please tell us how you would like to be contacted:
Phone Fax Email Mail

Please provide your name and contact information (REQUIRED):

We encountered an error sending your request.

Please retry, or call our office at 877-219-9519 for more information.

From homeowners and flood insurance to innovative coverage for small businesses, Bonded Builders Insurance Services offers a growing selection of products to fit the diverse needs of our customers. Every policy is backed by over three decades of experience and a renewed commitment to delivering the industry's best customer service. Proud partners with the nation's insurance carriers, Bonded Builders Insurance Services provides superior insurance protection for life's unavoidable surprises.

Bonded Builders Insurance Services commercial products are designed to address the distinctive insurance needs of small- to medium-sized businesses. By offering specialized products, we give you the flexibility to choose the best coverage. We continue to research market areas that offer potential for new niche products so we can expand our product line and offer more choices.

Business Owners Policy (BOP)
Artisan Contractors
Contractors General Liability
Builders Risk
Standard Flood
Excess Flood
Contract and Commercial Bonds
Umbrella
ERISA Stop-loss Plan
Workers Compensation Risk Managemant Program
Commercial Auto

Bonded Builders Insurance Services offers a selection of personal lines products tailored to your diverse needs. From convenient, policy processing and handling, we’ll provide you with the support you need.

Homeowners/Dwelling Fire
Standard Flood
Excess Flood
Auto
Motorcycles
Motor Homes
RV’s
Boats
Jet Skis
Appliance Advantage Plan

Bankers Employer Services, is a full-service human resource outsourcing company serving the needs of small- to medium-sized businesses. Products and services include a Workers’ Compensation Risk Management Program, Payroll Administration, Human Resources and Government Compliance and Employee Benefits.

PEO Services

Expedite Your Insurance Claim

Being prepared for your insurance adjuster's visit will help expedite your claim

Restoring your home after a major storm or hurricane can be a long and difficult process - even when you have adequate insurance - but being well-prepared for filing your claim can help speed the settlement, which in turn will help you get things back to normal sooner.

The first and most important step is to call your insurance agent to report your loss, or contact the insurance company directly. Then, to prevent further damage, put temporary tarpaulins over roof leaks and attach plastic over any cracked windows.

We have these additional suggestions for starting the cleanup process and expediting your settlement:

Before beginning any clean up, take photographs of everything "as is," indoors and out, to show the extent of damage. Make a room-by-room inventory of missing or damaged items, and try to locate receipts for major purchases.
Wear boots and heavy gloves during cleanup if there is floodwater, which can be severely contaminated and/or carry snakes and insects.
Separate damaged and undamaged property. Remove all damaged upholstered furniture, draperies and other large items to a garage or other area where it can be stored until you can determine whether it can be cleaned, reupholstered or salvaged.
Remove all wet carpet and carpet padding, but save a large piece of both carpet and pad to show your insurance adjuster. Once all the wet furniture and carpets have been moved out of the way, remove any standing water and mud that remain and then clean the floor with soapy water and disinfectant.
Use disinfectant and soapy water to remove as much dirt and bacteria as possible from hardwood furniture and other solid surfaces.

Advance or partial payment of your claim may be possible. Ask your adjuster about this.

Protect Your Property

As severe weather nears, take steps now to minimize property damage and loss

As many areas brace for severe weather, flooding from torrential rains, storm surge or raging tides may top the list of storm threats. We advise homeowners to take steps now to protect their property and possessions.

Make video or photo records of your property, indoors and out. Include pictures of furnishings, electronics, clothes, and your most valuable household items. Also gather any receipts for major purchases. All this will help an insurance adjuster if you need to file a claim.
Create an emergency file of documents and information you will need if your home is flooded. Include the itemized record described above, along with your homeowners, auto and flood insurance policies, identification and proof of health insurance, and an emergency supply of cash. Put this file in a safe, flood- and fire-proof place where you can retrieve it easily.
Check the outside of your home for items that might come loose and float or blow away, creating even more damage. Such items include patio furniture, awnings, grills, garbage cans, garden tools and large toys. Secure them or bring them inside.
Consider measures to flood-proof your house. Some options include: Moving valuable or irreplaceable items to high shelves or to the highest floor in the house; purchasing sandbags; building plywood shutters or, for the future, having hurricane shutters installed. (Taping windows may keep them from shattering, but it won't keep them from breaking.)
Review your insurance coverage. Be sure you know what is covered and what isn't. Federal flood insurance is the only insurance that covers flood losses; homeowners insurance doesn't. The government has a 30-day waiting period on most new flood insurance policies, so initiating a policy in advance of severe weather is essential.
Don't count on federal disaster assistance. People often overestimate the extent of federal aid. Federal disaster assistance only becomes available when the President declares a national disaster. And even then, federal aid is usually in the form of a small grant or a loan that must be repaid with interest.

If you aren't sure what your policy covers, or if you have other questions about flood insurance coverage, contact us at 800-727-5234.

Make Safety a Priority During Storm Season

Remember that severe weather creates dangers
Once a storm is headed your way - even the garden-variety thunderstorm - flooding from torrential rains, storm surge or elevated water levels may top the list of storm dangers. Floods are the number-one weather-related killer, so when a flood warning is issued, we recommend taking critical steps in advance to ensure the safety of your family and to minimize damage to your home and possessions.

Flood warnings may be issued anywhere from 24-72 hours ahead of the anticipated flooding, even less in flash-flood situations. We advise taking the following steps during that time:

Emergency Supplies
Make sure your stock of emergency supplies is adequate and that it is stored in a safe, flood-proof place. Include:

1-2 week supply of non-perishable food
Enough bottled drinking water to provide at least one gallon per family member per day for at least seven days
Battery-operated radio and flashlights with extra batteries
Trash bags
Paper supplies such as paper towels
Toiletries
First aid kit
Heavy gloves
Cleaning supplies, including disinfectant

Clean the bathtub and fill it with water. Obtaining clean water for washing may become difficult during and after the flood, and you will need your bottled water for drinking.

Possible Evacuation

Put your homeowners and flood insurance policies in a safe, waterproof place, along with extra cash, proof of identification and other important documents. Be ready to take them with you if you must evacuate.
Fill your car with gas.
Gather the things each family member will need if you must evacuate. Include clothing, sleeping bags or bedrolls, medicines, personal hygiene items, your flashlight and extra batteries, and baby supplies if you have an infant.
Be prepared to follow evacuation orders immediately. If you are not in an evacuation zone and you feel it will be safe to stay in your home, doing so will help minimize already-congested traffic.

Other Safety Measures

Check the outside of your house for items that might come loose and blow through windows or float away, such as patio furniture, awnings, grills, garbage cans, garden tools and large toys. Secure them or bring them inside.
Know how to turn off utilities at the main switches or valves in case you are instructed by emergency officials to do so.
If flooding occurs, stay away from floodwaters and don't let children play in or near them. Floodwater often carries snakes and insects and can be severely contaminated.
Don't walk through moving water; six inches of moving water is enough to knock you off your feet. If you must walk, wear boots or sturdy shoes and look for water that is not moving.
Avoid driving through flooded areas.
Keep a battery-powered radio on hand to monitor conditions and instructions from emergency officials.

Remember that your homeowners insurance doesn't cover losses or damage from flooding. If you're not sure your property is protected, call us at 800-727-5234.

Saffir Simpson Hurricane Intensity Scale

Category One - A MINIMAL Hurricane
Winds: 74-95 mph, 64-83 kts, 119-153 km/h
Storm surge: 3-5 ft, 1.0-1.7 m

Damage primarily to shrubbery, trees, foliage, and unanchored homes. No real damage to other structures. Some damage to poorly constructed signs. Low-lying coastal roads inundated, minor pier damage, some small craft in exposed anchorage torn from moorings.

Category Two - A MODERATE Hurricane
Winds: 96-110 mph, 84-96 kts, 154-177 km/h
Storm surge: 6-8 ft, 1.8-2.6 m

Considerable damage to shrubbery and tree foliage; some trees blown down. Major damage to exposed mobile homes. Extensive damage to poorly constructed signs. Some damage to roofing materials of buildings; some window and door damage. No major damage to buildings. Coastal roads and low-lying inland escape routes cut by rising water 2 to 4 hours before arrival of hurricane center. Considerable damage to piers. Marinas flooded. Small craft in unprotected anchorages torn from moorings. Evacuation of some shoreline residences and low-lying areas required.

Category Three - An EXTENSIVE Hurricane
Winds: 111-130 mph, 97-113 kts, 178-209 km/h
Storm surge: 9-12 ft, 2.7-3.8 m

Foliage torn from trees; large trees blown down. Practically all poorly constructed signs blown down. Some damage to roofing materials of buildings; some wind and door damage. Some structural damage to small buildings. Mobile homes destroyed. Serious flooding at coast and many smaller structures near coast destroyed; larger structures near coast damaged by battering waves and floating debris. Low-lying escape routes inland cut by rising water 3 to 5 hours before hurricane center arrives. Flat terrain 5 feet or less above sea level flooded inland 8 miles or more. Evacuation of low-lying residences within several blocks of shoreline possibly required.

Category Four - An EXTREME Hurricane
Winds 131-155 mph, 114-135 kts, 210-249 km/h
Storm surge: 13-18 ft, 3.9-5.6 m

Shrubs and trees blown down; all signs down. Extensive damage to roofing materials, windows and doors. Complete failures of roofs on many small residences. Complete destruction of mobile homes. Flat terrain 10 feet of less above sea level flooded inland as far as 6 miles. Major damage to lower floors of structures near shore due to flooding and battering by waves and floating debris. Low-lying escape routes inland cut by rising water 3 to 5 hours before hurricane center arrives. Major erosion of beaches. Massive evacuation of all residences within 500 yards of shore possibly required, and of single-story residences within 2 miles of shore.

Category Five - A CATASTROPHIC Hurricane
Winds: greater than 155 mph, 135 kts, 249 km/h
Storm surge: higher than 18 ft, 5.6 m

Shrubs and trees blown down; considerable damage to roofs of buildings; all signs down. Very severe and extensive damage to windows and doors. Complete failure of roofs on many residences and industrial buildings. Extensive shattering of glass in windows and doors. Some complete building failures. Small buildings overturned or blown away. Complete destruction of mobile homes. Major damage to lower floors of all structures less than 15 feet above sea level within 500 yards of shore. Low-lying inland escape routes cut by rising water 3 to 5 hours before hurricane center arrives. Massive evacuation of residential areas on low ground within 5 to 10 miles of shore possibly required.

Bankers Health Plans offer individuals and groups affordable medical insurance alternatives for the 3.9 million Floridians who do not have any coverage.

Individuals

Short-term medical
Basic Care
Major Medical

Groups

Basic Care
Basic Care
ERISA Stop-loss plan

Agents: Click on the links below for additional information on the products we offer.

Builders: Click on the links below for additional information on the products we offer.

Consumers: Click on the links below for additional information on the products we offer.

Subcontractors: Click on the links below for additional information on the products we offer.