Johnny Coit

Avoiding Underinsurance by Adopting Proactive Risk Management Measures

Prefab Wall Panels

While disasters cannot be prevented natural or otherwise, the impact they have can be mitigated through insurance. Adequate cover can ensure that the owner of a home or commercial property is able to rebuild or repair and resume their normal life or operations without too much of a delay.

That would be the ideal, but it is not the reality on the ground. Recently concluded research indicates that the better part of US homes and commercial buildings are underinsured. One reason for this is that the cost of construction has gone up significantly over the years. It has been driven up by several factors. They include more costly building materials, higher labor costs and more technologically advanced construction methods that cost more.

According to recently concluded research, as many as 75 percent of US businesses are underinsured by up to 40%. Being unable to repair or rebuild for a business means incurring losses for as long as normal operations cannot resume. It may also mean higher costs to rent out alternative premises. Depending on to the nature of a business, it may mean losing loyal customers and having to start building a client base from scratch. According to SCORE, a non- profit organization that helps small businesses, 40% of businesses do not reopen after closing because of a disaster.

Prefab Wall PanelsGetting Insurance Up to Value
The solution to avoiding the potential pitfalls of underinsurance is getting insurance to value. This will mean getting property freshly evaluated to determine its current value. The existing insurance policy should then be revised to reflect the present value of the property. It would be advisable to do the same with essential machinery and other assets. It is far much better to pay slightly higher premiums than to lose it all in the event of a natural disaster, fire, theft or other incident. 

This is what proactive insurance management is all about. It would be advisable to get a fresh property and asset evaluation periodically. This depends on the location o f a business which would make bit more or less predisposed to natural disasters. It also depends on the nature and scale of a business.

A competent insurance or business consultant can advice on this and other proactive insurance measures a business can take.

Don’t get caught up being underinsured.

Offsite Construction on the Rise in the U.S

San Diego Timber Walls

Offsite construction has become the trend in the U.S. in the past few years and though it’s been around for over a decade, the US is just now joining in the flow of things and perfecting it’s ways.
San Diego Timber Walls


This is where the construction of a building or structure is done in one location and then transferred and installed on the final location.

Structures that are constructed this way are also known as prefabricated. Construction giants are creating dedicated departments and personnel to handle such projects by subbing out to companies like AGC.

This method of construction is gaining traction and becoming a well-defined segment of the construction industry like it is in many parts of Europe and Asia. So that is why we need to stay ahead of the game or should I say; get IN the game since the US is now actually ‘catching up’ in this sector.

Let’s take a look at why is has become the top leading way of construction:

1) The main benefit is reduced costs. Construction is done with less workers which keeps wage costs low.

2) Efficiency is another benefit. With prefabrication, the same processes and procedures are repeated every time so the end result is predictable. This increases efficiency in terms of the final look and function of the structure and completion time. Also, unforeseen circumstances like bad weather do not affect work because it is being done offsite in a factory.

3) Safety is another benefit. When construction is being done offsite on factory, accidents such as workers falling from high buildings or being hurt when using machines on unstable, unfinished buildings are eliminated. Reduced visibility because of bad weather is also not an issue.

4) There is also the factor of sustainability because offsite construction requires the use of less heavy machinery and less energy. Wastage is also eliminated because it is possible to calculate required materials more accurately compared to buying materials for the construction of an entire building.

5) Less training is another benefit because each worker only needs to know how to perform a specific task unlike onsite work where workers are required to know how to do different tasks in the different stages of construction. 

6) Lastly, there is no disruption to the client from the noise and air pollution that comes with onsite construction. Clients can get on with things as usual while they wait for the finished, prefabricated structure to be installed and transported. 

San Diego Timber WallsMore and more offsite construction
According to the National Institute of Building Sciences, 93% of constructors who participated in survey confirmed that they had opted for offsite production in 2014. This number has continued to rise as more and more clients and contractors opt for it for its different benefits.

Isn’t it time for you and your company to jump in the flow?

Call AGC where our design build team can show you where to maximize your growth with offsite Construction!

What is an RFP?


According to Wikipedia: A request for proposal (RFP) is a document that solicits proposal, often made through a bidding process, by an agency or company interested in procurement of a commodity, service, or valuable asset, to potential suppliers to submit business proposals. It is submitted early in the procurement cycle, either at the preliminary study, or procurement stage.

An RFP naturally differs from a hard-bid appeal in that the client will use an RFP to get a specific detailed list from contractors that aren’t addressed in any other types of bids.

An RFP process is typically utilized for projects where the design-build project isn’t fully complete, so the client will look for sub-contractors to work together to develop a strategic plan of attack for the project.

RFPA RFP entails several sections and could include:

  • Project Management of the said Contractor and it’s team members
  • Cost and Schedule Control
  • List of Past projects
  • The companies BIM experience and it’s in-house structure
  • Quality control process
  • Design-Build Process and Team
  • Plans and Specifications

The list can be lengthy and detailed because an RFP is meant to be detailed and specifically outlined to cover every basis so that there is no room for error if the bid is won. The main purpose is to cover everything for the client to meet their needs.

The RFP will also include a copy of the bid so that by submitting the proposal will keep the contractor on track by committing them to the terms said forth in the RFP.
Today, more and more clients/ owners/ contractors will include contracts with RFPs because it gives all parties plenty of time to address questions about the contract prior to winning the bid.

If the RFP’s are given to the contractor early enough, this process is a very instrumental one because they will have the time to go through the contract and finalize any objections or questions prior to submitting the final bid.


Contractors need to pay special attention for the not-so-obvious sections of the RFP — ones that can possibly influence the contract that the contractor signs upon winning the bid. For instance, the submitted bid form could be considered just an offer, and once the client accepts it, the parties could have another contract based on comebacks in the RFP. If a contractor backtracks on any of the items that are included in the bid, the client could then reject the bid.

So the contractor should go over the RFP with a fine tooth comb with his team so that there are no mistakes or misunderstandings and that everything is clear and in writing.


College Degree

The question remains; does a college degree guarantee that you will have a successful career?

College DegreeAs a previous College student at the California State University of Northridge in Los Angeles County, I have experienced the enormous falsehoods that society forces on its youth today of the saying that; “You won’t get a good career unless you go to College or University and get a degree”

How many occupations are out there for a Communications Degree? I ask because if you ever talk to a communications major, and you ask them what they study, they respond with, “I’m a communication major with a focus in [insert some excuse here].”

47% of college graduates did not find a first job that was related to their college major, and 32% of college graduates said that they had never worked in a field related to their majors.

Despite an inability to find work in their chosen academic fields, 64% of employees say they are happy with the degree they pursued and 61% said that they still believe they can find their dream job. But as we can see, they are not working in the major they spent so much time studying for or even struggle to find a job in everyday society. Just over 1/3 of the college-educated workers wished they had picked a different college major.

How can we contribute to the economy?

College DegreeWhile the economy is currently thriving, there are thousands of jobs that are left unfilled because there are not enough skilled tradespeople to do them.

Let’s look at the Construction Industry, for example, everyone’s first impression while searching for a career is to snub their nose up at the Construction Industry due to the belief of having to either do physical labor or there is just not that much of career opportunities in the industry.

This is false. The Construction Industry has grown immensely with its technology and is high in demand for skilled tradespeople, project managers, superintendents, technology experts, etc. All in which can easily make a six-figure salary if they have the experience or build towards gaining that experience. But with so many youths going after degrees such as Communication Degrees, Creative Writing Degrees, Music Degrees, Theater Degrees, or Criminal Justice Degrees…well, this doesn’t leave much left for the construction industry.

So many well-paying jobs are being unfilled and waiting for someone to fill them. When I see someone not working in this economy right now, there are two reasons… either they don’t want to work, or there aren’t any openings in their field of expertise and refuse to gain new knowledge in a different field. My comment to that is; if you are healthy to work then you can adapt and learn new skills — no reason to not be working when so many jobs are unfilled.


You are never too old to learn new skills, take my mother for example; at 52 she changed careers and had to learn a completely different trade, and she learned that by a job training program with a desire to learn and worked hard to get where she is now at age 55. She is now handling numerous company’s digital marketing as well as specializing in videography for those firms. This is in addition to our two companies. So, the old saying of “You can’t teach an old dog new tricks” is also proven wrong.

Another example is one of our Project Managers; a Retired United States Marine who decided to get his degree in Criminal Justice after serving our Country. Has he used that degree at all since being out of the Military? No. He saw the benefits of getting a career in the Construction industry and how quickly he could advance, so he jumped in with both feet and by doing so, he accelerated in the industry by learning hands-on and moved from laborer to foreman in less than three years and then from foreman to the superintendent in two more years! He is now a Project Manager making a six-figure salary.


The Construction Industry, like the Automotive, Hospitality, and Logistics industries will never go away. Society will always need Plumbers, Electricians, Carpenters, Mechanics, Truck Drivers, and Hospitality experts. These are just a fewCollege Degree of the constant jobs available on the market.

But they also all require education and certification that can only be obtained by a trade school or on the job training.


Success in a career is not what you learn at school, it is what you DO with the knowledge, the actions that you take WHILE learning. Hands-on experience, a desire to learn, working hard, and acclimating yourself are all that is needed to succeed in life today.

The downgrading of the skilled worker surrounds today’s society, unfortunately. Granted, you won’t make millions of dollars being a mechanic, construction worker, project manager, manufacturing worker, computer technician, machine operators, equipment operators, etc. But these are all needed jobs in society. All providing promising careers as well as the security of an industry that is constant.

Forbes wrote a great article of “10 High Paying Blue Collar Jobs”, “Blue Collar” is labeled as Skilled Tradespeople. The people of one of the top industries that drive America’s Economy.

The thought that; “If I get a college education, I will for sure get a good paying job when I graduate.” Is proven false.
Education is what I took from my time at the California State University of Northridge, changing from a Business Major, to Marketing Major, to Kinesiology Major, then finally to a Graphic Design Major, which none is what I found myself doing. My thoughts at 22 years old were that I could always go into the family business of construction which I did part-time growing up, but I didn’t want to pursue what my Father and Brother pursued. So I tried the careers that I studied for, but none were promising careers for me. Then I grew up and started to do my research about the Construction Industry, and this is what I found:

Top 3 Industries that drive the United States Economy:

  1. Healthcare.

  2. Technology.

  3. Construction.

College DegreeThat is when I went full force in the construction industry. Starting from a laborer part-time during high school, returning to do labor work after college, working my way up to Foreman, then to Superintendent, then to Project Manager, then to Vice President of Construction and Sales all within just 15 years. Now in my 19th year overall in the Construction Industry, I am the President and CEO of two companies that both contribute to the construction industry as well as contribute to the Nation’s Economy. One being a Commercial Contracting Business and the other a Manufacturing Business for the Construction Industry.



With that being said, let me close with this; It would behoove of you to choose something you are going to pursue as a career.College Degree

Ask yourself these questions:

  • What is the likelihood of me getting a job immediately in the field I studied after college?
  • Given my skill set or willingness to learn, what is the best career path for me that offers growth within a company?
  • Am I willing to learn a new trade?
  • Am I willing to put in the work?

If you answered yes to the last two questions, then you have the means to acquire a new skillset, so now take action by finding a job training course and get to work! There are a ton of companies looking for new skilled tradespeople to fill their demand.

Everyone contributes to society by whatever career path they pursue. Successful Careers don’t have to involve a College education. Experience is what gets you a good career and becoming successful. Whether it be a trade school or getting hands-on training while working. There are thousands of unfilled jobs needing skilled workers to fill immediately!


Military Employment


EmploymentWhere does a soldier go for employment after deployment?

Who hires ex-soldiers? Well, that’s a simple answer; Who wouldn’t?!

What better place to recruit from than the military?

Veterans are a unique caliber of people because of the special training that they receive in our military. They don’t just learn a trade, they learn; discipline, loyalty, Integrity, Honesty, Responsibility, Perseverance, and Reliability. The list goes on, and what business owner wouldn’t want those traits to be in their employees?


The men and women that serve in our military take pride in having a mission and accomplishing that mission in the time frame they have been given and this quality of work ethic is what is needed in the construction industry.

They have the technical knowledge and incorporeal skills that they have received from the military which enables them to transition into the construction industry easily. 

There are numerous similarities between the military and the construction industry.


Veterans see deadlines as more of a challenge, and they embrace them.Military Employment

That is why we feel that with the proper training, they will succeed in the construction field more so than any other industry.


The Construction industry is in desperate need of leaders and what better person to lead than a veteran who already has the knowledge to form teams and achieve goals?

We are always looking for disciplined, reliable, hard-working, and trainable people who are looking to expand their reach and grow with a company.

American General Construction ( AGC )  understands the challenges that our veterans face transitioning back into civilian life and are here to help by offering an apprenticeship program in the construction industry.

We cover all the aspects of construction and will help you get into any construction field you might be interested in. AGC is rapidly growing and looking to fill almost every position from administrative to project management to carpentry, laborers and more.