Independent Commercial Insurance Agency
Commercial insurance for roofing, restoration and trade contractors.
We review the work you perform, your crews, vehicles, equipment, subcontractors and insurance requirements before recommending a program. LuxeStone is led by Wendy Carter, whose experience includes independent agency ownership, roofing company ownership, claims, estimating and contractor operations.
Who We Work With
Established Roofing and Restoration Companies First
The agency is built around established roofing and restoration companies: crews working at height and inside occupied buildings, storm-season swings in payroll and subcontractors, and customers who put insurance requirements in writing.
Established electrical, HVAC and plumbing contractors are the second focus, because their exposures follow the trade and are easy to misclassify. General commercial construction is a selective, adjacent market.
Oilfield, energy service and industrial companies can still start a conversation. Those accounts are reviewed case by case. All industries
The Insurance Review
What the Review Produces
These are working documents for the owner. They are not policies, legal opinions or a promise about what a carrier will offer.
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A written operating profile
What the company does, where, with which crews, vehicles, equipment and subcontractors, written down so the program can be checked against it.
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A policy and endorsement inventory
The policies in force and the endorsements actually issued, listed in one place rather than spread across declarations pages.
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A factual comparison of insurance requirements
What your customer contracts and subcontracts ask for, set beside what the current policies show. It is an insurance comparison, not legal advice.
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Priorities and available options
What to address first, what can wait, and the options the market makes available for the account after underwriting.
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A service and renewal calendar
Renewal dates, audit timing and the points in the year when the information behind the program should be updated.
Commercial Insurance
How Licensed Placement and Service Work
LuxeStone Insurance Advisors LLC is an independent insurance agency. We gather the facts, present the account to insurance companies we are appointed with, explain what comes back, and service the program after it is in place.
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Understand the business
A conversation about the work, the crews and what is coming up. No documents are needed for it.
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Review the current program
After a brief qualification conversation, we ask for the records the review needs and explain how they will be collected.
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Present the account to insurers
Insurers decide whether to offer coverage, on what terms and at what premium. We explain the options and what changed.
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Place and service the program
Coverage is bound only on your instruction and only when the insurer confirms it. Certificates, changes and renewals follow through the year.
The ordinary insurance review connected with placement carries no separate consulting fee. The agency is compensated through the applicable insurer and placement agreements, and any additional compensation is disclosed when required. Availability depends on licensing, appointments and underwriting.
Construction Operations Consulting
The Business Behind the Policy
Need help with the business behind the policy? Separate construction operations consulting reviews job costs, documentation and the handoffs from sales through final billing.
Consulting is led by Wendy Carter and scoped separately from insurance. It can be purchased on its own, and it never requires moving your insurance. After a brief conversation, we provide a written proposal outlining the work, timeline and fee.
Wendy Carter, Founder & CEO
Experience on Both Sides of the Policy
Wendy Carter’s experience includes property and casualty agency ownership, roofing company ownership, insurance claims, estimating, supplements, contractor operations, leadership and training.
That background shapes the questions we ask. A contractor’s insurance depends on how jobs are sold, staffed, documented and closed, so the review starts with the operation rather than the old application.
Practical Guidance
Before the Renewal Arrives
The Contractor Renewal Checklist covers what to confirm on operations, payroll, vehicles, equipment, subcontractors, contracts and claims before a renewal proposal arrives.
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Renewal Preparation
What to Settle Before Your Insurance Renewal
A renewal is the one point in the year when coverage is supposed to catch up with the business. Here is what to confirm before you sign anything.
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Subcontractor Documentation
Why a Certificate on File Is Not a Compliance Process
A certificate is a snapshot of one date. What happens after that date is either your tracking process or nobody at all. What the document confirms, and what it does not.
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Fleet & Equipment
What Belongs on a Vehicle and Equipment Schedule
Most owners know what was on the schedule the day they bought the truck. Two years later is the harder question. What to record, and what happens when it drifts.
Next Step
Start With a Short Conversation
Send the brief form or call. We will ask what the company does, when the program renews and what has changed, then explain whether a review makes sense and what records it would need.
Direct line: 806-274-0382. Email: wendy@luxestoneinsadvisors.com.