Business method for insurance or service contract coverage on concrete

My business method for concrete coverage insurance or service contracts for home or business owners is calculated by figuring the square footage of an area and linear footage for foundations. The premium is figured by demographics with deductibles in place for high or low loss, which sets the premium. Policy duration will be determined by experience of loss, but for the time being, will last between 1 and 5 years, and will be transferable. This is possible using all the technology an insurance company has to offer in the industry today with inspections on a property depending on demographics. This will be coverage that is not now written by any company. This will be a valuable business to most concrete companies in repair, both new and replacement. The trained inspector will catch problems before they become major structural problems. At the same time, the company will be training property owners on loss prevention and maintaining their concrete. My business method of calculating a premium with fixed deductibles will leave a home or business owner knowing his costs and will show how an insurance or service contract company will profit.