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2 Builders Outlook 2018 Issue 9
2018 Issue 9 Builders Outlook 3
President’s
*
PRINT & INTERNET
Message
PUBLISHING
*
Social Media & WeBSiTe
conTenT ManageMenT
El Paso continues to be
*
e-Mail neWSleTTeRS
family friendly
Edmundo Dena
President
el Paso association of Builders
coMMUnicaTion
STRaTegY
i have a hard time understanding Paso is my home and i’m proud to Honestly, i think all of us has said the
how someone is not a member of the be here. i think that all of us who same thing in the past. But as we
association if they are even remotely live and work here are blessed with can see by the results of the drive ediToRial SeRViceS
involved in construction or supply to the feeling of security and a beautiful we should ask, we should invite
the industry. i can’t ever imagine not multi-culture population. The el Paso others to join us.
being a member as many of you feel association of Builders reflects our if we want to continue to have el
as well. i was so glad to hear that population and i think we are way Paso as a great place to live, if we
we got a new member from outside ahead of other local and state want to have our association grow
the county, yes a new builder associations in that respect. i had a and prosper, then we must ensure
member from Presidio, Texas. We conversation with Ray and he was that we continue to be forward
want to welcome Spanish oaks telling me about how our national thinking and relevant. our el Paso
custom Homes, and owner Juan association is trying to figure out how association of Builders under the
Saenz to the association. it’s to become more diverse in slogan Real Texas Builders places
interesting that Juan turned to us via membership, the same as is the us in a unifying position to showcase
the Texas association of Builders focus for the Texas association of our members. Builder or associate
who in turn told him about us, his Builders. and it boils down to how there are other associations in the
closest local. Turns out Juan was we value our local specialists and country that wish they were more like
looking for an association to join that make them feel welcome to join us. us. Remember this when you tell the
would help him be better. as in be during the recent membership drive story of why you’re a member. and
better informed, educated, and we had heard some of our more remember that no matter what, there
connected. He turned to the “seasoned” members surprise are builders and associates out there
association because he wants to be themselves by recruiting new waiting to join. ask them. Get Creative. Make it Snappy.
a professional. members. i heard that over and 915•820•2800
So, allow me to get to my point. el over, “i didn’t think they would join.” www.snappypublishing.com
4
Executive’s
Builders Outlook 2018 Issue 9
Message
Ray Adauto,
There a lot of things going Third we have upcoming board I would like to remind all our
through my mind right now, most of nominations and elections. Always members of the new slogan you
them work related. We are busy interesting more so this year as we are hearing and seeing. Real
and sometimes busier than we look to our leadership for 2019 and Texas Builders™ is our new
think we can handle. First and the Sergio Cuartas administration. trademark, using a unifying
foremost, I want to thank the Sergio and I are into deep consumer friendly slogan to
members who entered our first discussions and planning, so be identify us and separate us from
Real Texas Builder Awards event. ready for some exciting things. non-members. Real Texas
Originally, we had looked at doing The installation is on for Friday Builders decals on your doors or
the awards at our installation, but December 7 at the Marriott El vehicles will tell the world that you
frankly that was a poor idea. We Paso (Airport). More information are a part of the industry
will now be doing the awards in on that soon. association and care about new
mid-January, place and time to be Meanwhile we will be traveling to home construction. Our
announced. Austin in November for TAB Winter advertising on radio and billboards
Secondly, we are having our Fall meetings and preparing for next is telling the consumer they should
golf tournament presented by years IBS and Rally Day events. be doing business with you rather
Haskins Electric Company once Another important item is that than some non-member. We think
again. This is the first time we will our Association health plan is the message is clear and we know
use Butterfield Trail GC for the Fall going through some changes as it’s uniting us under one banner.
event after having a great Spring well. Our members will find a new Please, use the decal or logo in
tournament there. We look provider and perhaps some your advertising, marketing, web
forward to a successful outing on exciting news on other great page or electronic media. Tell the
October 25. We’ll have pictures in changes for the betterment of our world you’re a member. Afterall
the next issue. members. why wouldn’t you.
National
2018 Issue 9 Builders Outlook 5
Builder News
Construction
Labor Market
With a dearth of women in the
construction industry, NAHB
members call for increased
recruiting efforts to help
address labor shortage
according to the National just in anticipation of the new duties. surface products to highjack the U.S. —Edited by Diane Olick,
nahb.org/MA
materials for countertops, like granite,
marble and especially quartz. The U.S.
2018 Issue 9 Builders Outlook 7
Economic
Forescast
While there are many reasons why unlucky bunch is patients with private drive the high-cost providers out of Once there is no competition, be it
healthcare spending is growing much insurance and those who pay cash. business and the poor would not be in telecommunications, airlines,
faster than the economy — including Of course, giving free or subsidized served. Thus, the introduction of trucking, banking, or stock trading,
an aging population and the rising healthcare to some by overcharging cross-subsidies must be accompanied inefficiencies multiply and prices rise.
cost of prescription drugs — one paying customers is essentially by a prohibition on competition. One Returning to healthcare, because of
problem that gets virtually no attention imposing a tax on those who can pay of the ways we see this lack of this lack of any meaningful
and is a primary cost driver is cross- in order to subsidize those who can’t competition manifesting itself is competition, consumers know the cost
subsidies. The reason cross- or won’t. But — and this is the key — insurance plans such as bronze, of nothing they consume and care
subsidies exist in the first place is this hidden tax does not appear silver, and gold all offering the same even less. What kind of market
because lawmakers want to subsidize anywhere. As such, it is politically services. operates well when prices are well
healthcare costs for the poor, the sick, costless, and that’s why it is so And once there is no competition, hidden? If there were real price
and other potential voters — which is appealing to politicians. If that were there is no incentive for any non- competition, consumers would be
well meaning — but lawmakers do not all, it would not be so bad. But it gets competitive service providers to bombarded with ads boasting of better
want to raise taxes to pay for these worse, much worse. innovate for better care or lower costs, prices and outcomes and we would all
programs. So they hide the taxes Cross-subsidies are much more and that, in turn, drives up costs for be winners.
they should impose in the form of inefficient than raising taxes and everyone. If you are old enough, you Increasing taxes and spending,
cross-subsidies. spending the revenue on, in this case, remember that prior to the 1980s, while hardly ideal, sure beats cross-
Let me explain. If someone with no healthcare. Here’s why. In an ideal local phone calls were cheap, often subsidies and the attendant
money walks into an emergency room market, if a hospital or doctor is going free. That was because long distance monopolies that drive up costs,
and needs care, they get care. But to to overcharge some patients, those calls were very expensive; there was prevent firm entry, and eliminate
recover the cost of services provided patients will have an incentive to shop cross-subsidy from long distance calls innovation. Until cross-subsidies are
to the indigent, hospitals must around for a cheaper insurance plan. to local calls. Of course, firms wanted eliminated, US healthcare costs will
overcharge everybody else. Making That insurance plan could be cheaper to compete to provide overpriced long- continue to spiral out of control and
matters worse, Medicare and if it sends patients to hospitals and distance calls, but the system would we will be able to do nothing more
Medicaid do not pay the full amount of doctors who don’t overcharge. But if have unraveled. So the federal than wish for a competitive, innovative
their service cost. As a result, enough such plans were to exist, the government gave AT&T a monopoly and efficient healthcare market.
hospitals must substantially entire system would fail because and, in that way, kept competitors out
overcharge everybody else, and that these new low-cost providers would and prices up.
Ruth Rivera
CFPA, C(k)P®
Certified 401(k) Professional
512-796-1205
Email:
rrivera@bukaty.com www.bukatyfs.com
2018 Issue 9
BUILDERS OUTLOOK • EPAB ON THE SCENE
Seminar focuses on
residential foundations
Any time you build a home you repair or failure can cost tens of
need to make sure your foundation is thousands of dollars,” he said.
solid. It is after all the backbone of The attendees were given the
the entire building. Without a good opportunity to ask questions to the
foundation the house can fail. That experts.
was the subject of a recent seminar Justin M. Bryant, VP of Builder
presented by Centricity, a third-party Services and Sales for Perma Pier,
home warranty company. The name has been providing foundation repair
Centricity may be new to some solutions to builders, homeowners,
readers since the company was and engineers alike for 20 years
formed from Bankers Warranty Group across the state. He advises warranty
and Bonded Builders Warranty companies, builders, and engineers
Group. on best practices and lifetime repair
Brent Morgan, regional solutions. “El Paso is a little more
representative for Centricity was the stable soils wise than the clay we find
point man for the seminar. “We had in Dallas or San Antonio,” he said.
an opportunity to bring some experts “This seminar shows what things we
in to the El Paso market and educate see wrong and how a builder can
builders and engineers on help themselves by following simple
foundations and what can happen,” rules of engineering,” Justin said.
he told the Outlook. “We feel that the Justin was joined by Centricity’s
more we educate the better the Morgan, Stephen Hooker, Liz Ahner
results, especially when a foundation and Brant Roeming for the seminar.
new h o m e s . . .
f o r e l p a s o
y f o u n d h e re
easil
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10 Builders Outlook 2018 Issue 9
#Real Texas
builders www.elpasobuilders.com
©
The El Paso Association of Builders encourages you to work with our members.
Builder members Millennium Homes Barraza Drywall Corp. Eagle Custom Cabinets
as of September 1, 2018 Dan Ruth Ignacio Barraza Juan Benabidez
Bain Construction Pacifica Homes, Inc. Barrett Airworks Eagle Roofing Products
Scott Bain Juan Jose Vasquez Alexandro Castro Scott Aguilar
Althon Investments, LLC Padilla Homes Bassett Woodworks Edgar's Flooring
Jose Luis Martin Misael Navarrete Danny Murillo Edgar Enriquez
Bella Vista Custom Homes, Inc. Palo Verde Homes Beasley, Mitchell & Co., LLP EDLR Platering
Edgar Garcia Edgar Montiel Brad Beasley Eduardo De La Rosa
BIC Homes Pointe Homes Bella Vista Realty Edmund Esper
Antonio Cervantes Carlos Villalobos Grisel Ortega Edmund Esper
Blue Sage Homes, LLC Porter Homes Belmont's Air Conditioning, Inc. El Paso Audio Video by Design
Jaime Gonzalez Albert Porter Rafael Belmonte Joe Gutierrez
Blue Star Construction R.C. Baeza & Associates Big A Construction El Paso Building Materials
Carlos Villasana Robert C. Baeza Thelma Vasquez Ken Wade
Bowling Construction R.E. Welch Contractor BMC Select El Paso Disposal
Randy Bowling Gordon Welch David Quintana Irma Parsons
Carefree Homes Rassette Homes, Inc. Boise Cascade El Paso Mortgage Bankers Association
Richard Aguilar Donald Rassette Mike Flores Gilbert Pedregon
Casas De Leon, LLC Rosewood Design and Build Border Construction Specialties El Paso Times
Nick Bombach Brianna Barnes Ricardo Yvellez Sal Hernandez, Justin Riley
Cisco Homes LLC Santana Custom Homes Border Solar El Paso Truss
Francisco Arroyos III Fernando Santana Javier Ruiz Luis Mendiola
Classic American Homes Southwest Land Development Serv. Bordertown Carpets El Paso Winnelson
Priscilla Hernandez Doug Schwartz Brian M. Abraham Rene Goldfien
Crown Heritage Homes Spanish Oaks Custom Homes Builders Source Appliance Gallery Electrolux NA
Lydia Mlouhi Juan R. Saenz Sandra Lucero Adger Colley
Cullers & Caldwell Builders The Heritage Group Bukaty Financial Companies Group Elizardo Garcia Electric
John Cullers David Bingham Ruth Rivera Elizardo Garcia
Cullers Homes Trejo Construction Co. C. D. Lee/Britton Insurance & Bonding ERA Sellers & Buyers
Jason R. Cullers Juan Trejo Anthony Landavazo/Lisa Daniels Karla Reyes
D B Innovations LLC Tropicana Building Corp. Cabinet Masters ESS Environmental and Safety Solutions
Dan Berry Bobby Bowling IV Mike Robles Jose L. Garcia Ramirez
Dawco Home Builders Tropicana Development Carpet Warehouse EZE-R-DESIGNS
Walter O. Lujan Greg Bowling Erez Belkin Leticia Mata
Deal 2 Deal Custom Homes Tropicana Homes Casa Ford & Casa Nissan Farmers Ins.-Mercedes Ruiz
Delton Deal Randy Bowling Luke Lowenfield Mercedes Ruiz
Del Rio Engineering, Inc. Tropicana Properties Castillo Electric Felipe Rocha Construction
Sal Masoud Demetrio Jimenez Jose Del Val Felipe Rocha
Diamond Homes, LLC Vallance Construction LLC CEA Engineering Group Ferguson Enterprises Inc.
Valerie Baquera Oswaldo Prieto Jorge L. Azcarate Albert Holguin
Donald Ward Builder, Inc. Villagi Homes, LLC Central Texas Metal Roofing Supply Co.,Inc. Fire Smoke N' Grill
Donald Ward Kristi Eddings Ben Garza, III Bill Owen
E. Valencia Land Development LLC Vista del Sol Archetectural Design Centricity First American Bank
Eddie Valencia Luis J. Lopez Brent R. Morgan Louis Sauceda
Eclat Homes & Designs Will Harvey Development Century 21 The Edge First Light Federal Credit Union
Veronica Guerra Will S. Harvey Scott Kesner Lorenzo Revelez
Edward's Homes, Inc. Winton/Flair/Accent Homes Citizens Loan Center First National 1870
Eduardo Fernandez Herschel Stringfield Jim Easley Haley Merritt
EPT Bella Custom Dream Homes City Bank Texas Firth, Johnston, Bunn & Kerr
Leti & Javier Navarette Associate members Bob Kotarski Jay Kerr
EPT Land Communities as of September 1, 2018 City Lights Forge Factory Strength & Conditioning
David Bogas Thomas Brown Edmundo Portillo
Everest Homes 150 Sunset CMF Foxworth Galbraith Lumber
Edmundo Dena, Jr. Danny Heredia Carlos Munoz Dan Villarreal
Fortune Custom Homes 2-10 Home Buyers Warranty Cognent, Inc. Franklin Building Materials
Javier Andrade James Hebert Martin Paredes Ricardo Aguilar or Cristina Sheldon
Gaddy Construction 4 Tech A/C Service Commercial Insurance Brokers, Inc. G & G Enterprises Gen. Contractor
Charles Gaddy Enrique Hernandez Ken Foster Juan F. Garcia
GMF Custom Homes, LP 84 Lumber Conde, Inc. G2 Ram Electric
Frank Torres Ernie Chavez Conrad Conde Luis Cano
Guel Construction 915 Siteworks, LLC Copenhagen Imports GCC Sun City Materials,LLC
Rudy Guel Hugo Jasso Flemming Carlsen Antonio "Tony" Chavez
Hakes Brothers, LLC A C Refrigeration, LLC CQC Testing and Engineering,LLC GE Appliances
Chris Hakes Angel Cabrera Jaime Rojas Christine R. Villanueva
Hanson Asset Management, LP A Plus Remodeling & Repairs David Hernandez Cabinets GECU- Greater El Paso Credit Union
Russell Hanson Martin Arroyos David Hernandez Danny Galindo
Homes by Design ABC Supply Co., Inc. David J. Ellis Fee Office for Sierra Title GEPAR-Greater El Paso Assoc. of Realtors
Leslie Driggers Hoard Larry Eck David J. Ellis Jason Sanchez
Hunt Communities, LLC Acme Brick Company De La Torre Iron Works Go Pro Refrigeration
Kathy Parry Steve Bush Alfredo de la Torre Humberto Diaz
ICON Custom Builder, LLC. Adams Moulding & Lumber Delek US dba 7 Eleven Goodman Mfg.
Carlos Garcia Tom Swahlen Sonja Scanlan Jorge Guajardo
Industrial Realty Group Incorporated Agustin Favela Concrete Demcon Disposal Management, LLC Great American Insurance Group
Brent D. Harris Agustin Favela Maria Elena (Nena) Gomez Julie Tomlinson
JER Custom Homes, LLC Alden R & R Services, LLC Desert Quest Plumbing Greater El Paso Chamber of Commerce
Jorge E. Rodriguez Alejandro Dena Hector Gonzalez David Michael Jerome
Kayton Lee Residential, Inc. Allbrite Electrical Designer's Mart H P Roofing & Construction
Brianna Barnes Carlos Nunez Valerie Edmiston Heriberto Prieto
Lloyd Hamilton Contruction Alvarado Plastering & Stucco, LLC Diaz Services, Inc. Harris Real Estate Group
Lloyd Hamilton, III Jose Enrique Alvarado Emmanuel Diaz Lane Harris
LMJ Construction Co., LLC Amelia's Janitorial Services Dominguez Insurance Agency Haskins Electric
Mike Lopez Amelia Gomez Victoria Dominguez Charles B. Haskins, Jr.
Loyalty Homes Area Iron & Steel Works, Inc. Doors and More Hector De.La Canal Real Estate Group
Gustavo Loy Fred L. Edmonston Jr. Miguel Moran Hector De. La Canal
M A Builders & Design, LLC Atrium Homes Dorney Security Hector Phillips fee Office for Sierra Title
Mustafa Ali Ricardo Bocardo Jr. John Dorney Hector Phillips
Maravilla Homes Bank of Texas Dunn-Edwards Paints Hercules Industries
Victor Robles Ray Owen Nathan Gordon John Chaney
Medlock Commercial Contractors LLC Baron Supply DWS Building Supply Hernandez Roofing
Steve Medlock David Trammell Sabrina Voorhies Concepcion Hernandez
Metro Homes, Inc. Barragan & Associates E.F. Building Materials, Inc Home of Texas
Judith Arrunada, Fernando Torres Benito Barragan Efren Fraire Amanda Eason
2018 Issue 9 Builders Outlook 11
Home Pros Real Estate Group MAK Roofing & Construction Randall Smith, CPA Stone City Rocks
Penny Moore Felix Vizarreta Randall Smith Chris Baca
Homes of El Paso Marlo Building Services Rebath of El Paso/Las Cruces StrucSure Home Warranty
Riley Stephens Roberto Martinez Lisa Walling Scott Whisenant
HUB International Masco Contract Serv dba Gale Insul Remcon Self Storage Su Casa Magazine
Luis Rosas William Homan Will Harvey Bob Skolnick
Imperial Construction Massey Johnson Rey Construction Supreme Lending
Alexandro Garcia Josie Ledesma Manuel Reyes Lisa Wren
Inter National Bank McCoy's Building Supplies RGR Roofing, LLC Sun City International Doors
Natalie Ojeda Doug Danner Marco Rodriguez Jorge Carmona
Interceramic Tile & Stone Gallery Merrill Lynch Richman Group Affordable Housing Corp. Sun City Spray Foam
David Holguin Thomas Gabriel Kevin Hoffman Fred Reynolds
J & H Concrete & Post Tension Miguel Sanchez Cano Rito Magallanes Sun City Winnelson
Jorge Herrera Miguel Sanchez Cano Rito Magallanes Dean Moore
J. B. Laminates Minerva Al-Tabbaa Realtor Rocky Mountain Mortgage Company Sun West Windows and Glass
Gina Rodriguez Minerva Al-Tabbaa Dean Inniss Ernie Hernandez
J. C. Balcorta Painting Mini Concrete Materials Roe, Brad Texas Gas Services
Cruz Balcorta Joe Soto Bradley Roe Mica Short
J. F. Plastering Moen Rudolph Chevrolet Texas Title Company
Juan Florez Frank Graf Mike Ruffin Steve Raney
Jack White Building Specialties Monster Link Marketing S & J Drywall, LLC TFCU
Claudia Lardizabal Raul Mendoza Yair Jalil & Sergio Jalil Yolie Melendez-Estrada
James L. Ellis, CPA, PC Moreno Cardenas, Inc. Saldivar Electric, Inc. The Dorian Group/Ocean Gallery USA
Jim Ellis Roberto Moreno Martin A. Saldivar Miguel Angel Mercado
JFM Enterprises, Inc. Morrison Supply Sarabias Blue Sanitation The Home Systems Heating & Cooling, Inc.
Jaime Flores Sam Shallenberger Monica Brown Jesus Chain
Jimmy Garza Emergency Water Removal MTI Ready Mix, Inc. SBNG, P.C. The Iron Snail Inc.
Jimmy Garza Tony Mullen Tyler Smith David Zuniga
Jobe Materials, LP New American Funding Segura Framing Trane Residential Solutions
Charlie Tellez Tania Guzman Erika Segura Robert Meske/ Kathleen Chacon
Joe Bernal Insurance & Financial Services, Inc. New Era Foam Senercon TRE & Associates
Joe M. Bernal George Tollen Javier Ruiz Linda Troncoso
Jose Moreno Dry Wall New Start Insulation Senpai Training and Development Trim Team
Jose Moreno Jose Carreon Leonardo Corral Juan & Kris Hernandez
Juan Carlos Perez Grading Oropeza Concrete Sergio Herrera Framing USA General Contractors
Juan Carlos Perez Angel Oropeza Sergio Herrera Javier Olmos
Keenan Supply Parra's A/C and Heating Service Serrano's Construction Value Stone
Nancy Rivas Aureliano Parra Juan Serrano Isabel Chacon
Keller Williams Pate & Appleby, LLP Service Master Commercial Vision Consultants, Inc.
Mo Goodarzi Richard De Santos Heidi Avedician Kelly Sorenson
Keller Williams Patriot Mortgage Sherwin Williams Paint VMP Painting
Susan Flores Randy Bowling Cruz Lopez Victor Prieto
L & P Building Supply Pella Windows Sierra Title Company /Lawyers Title W.W. Sales
Denise McConnell Jason Bates Angelique Roman, Marielsa Pulido Eric Hoppes
LCR Resource, Inc. Performance Glass & Aluminum Simpson Strong-Tie Company, Inc. Western Heritage Bank
Ralph Sanchez Hector Hernandez Ken Donham Kathy Carrillo
Legacy Real Estate Services/TTi Prop. Man. Perl Mortgage Snappy Publishing WestStar Home Loans
Patrick Tuttle Stephen Sepulveda, Gilbret Pedregon Ted Escobedo Cinco Houghton
Leon Real Estate Polar Mechanical LLC Soil Mechanics WestStar Bank
Jorge Leon Francisco Amezquita Lorenza Escareno David Osborn
LOI Engineers Post Tension Steel Solar Smart Living WestStar Title
Bernardino Olague Dennis Moore Larry Perea Rachel Valles
Lone Star Title Co. of El Paso Powerfoam Insulation Southwest Décor El Paso Corporation Whirlpool
Sam Trimble Arnie Pedersen Chris Matthews Gwen Walker
Love Engineering, Inc. Prewire of El Paso, Inc. Southwestern Prewire Wolf Air
Montez Love Steven Drury Joe Trejo Arturo Alcantar
Lowes Home Improvement Pride industries dba Pride Ascend Spectrum Technologies X Construction
Johnny Rodriguez Dr. Lonny Wright Miled Daou Emmanuel Chavarria
Loyas Shutters Q Martins Plumbing St. Mary's Custom Shutters
Alfredo Loya Jose Martinez Dolores Lopez
MagicStone Quality Granite Startech Heating and Air Conditioning
Marco Gomez Hector Porras Luis Procter
Majestic Realtors Ramon Romero Painting Stewart Title of El Paso
Patti Musshorn Ramon Romero Cindy Bilbe
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Jeb Hensarling (R-Texas) and Rep. John • Enhance the activities of state and investments in subprime areas, but that Updated August 02, 2018
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2018 Issue 9 Builders Outlook 13
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14 Builders Outlook 2018 Issue 9
Market Watch
www.marketwatch.com
Residential Specialists
Past Presidents
Education committed to Serve
Kelly Sorenson Edmundo Dena
915-208-9313
Laura Loy, Loyalty Homes Herschel Stringfield
Walter Lujan, Dawco Homes Bob Bowling III
Total Customer
Fernando Torres, Metro Homes Pat Woods
800-853-3996
Leslie Driggers Hoard, Homes by Design Carlos Villalobos
Carlos Garcia, ICON Custom
Satisfaction
EPAB Mission Statement:
Sal Masoud, Del Rio Development The El Paso Association of Builders is a federated professional
Fernando Santana, Santana Custom Homes organization representing the home building industry,
committed to enhancing the quality of life in our community by
Associates: providing affordable homes of excellence and value.
Joe Bernal, Joe Bernal Insurance The El Paso Association of Builders is a 501C(6) trade
Henry Tinajero, WestStar Bank organization.
Kathy Carillo, Pioneer Bank © 2018 Builder’s Outlook is published and distributed for
John Chaney, Hercules Industries the El Paso Association of Builders
by Ted Escobedo, Snappy Publishing, LLC
future. t(-PêFSJOHDoverage for property damage that results from faulty, defective,
or poor workmanship in your work.
t(--JNJUTPGVQUP...Bvailable
tExpanded policy form for commercial projects
tBuilder’s Risk master policies, monthly reporting, annual and one shots
t Workers’ Comp - Two highly cost-effective programs
tExDFTT-JBCJMJUZGPS$PNNFrcial (eneral Contractors
t$PNNFrcial Umbrella