Do All Contractors Have to Carry Workers Comp?

The fact is that this question is more complicated than it seems at first glance.  For purposes of determining the employee count, most state laws also count uncompensated officers as well as employees of subcontractors.  In addition, state laws count theRead The Full Article »

Accurately Project Payroll and Sub Costs

To do otherwise is asking for trouble I was talking to a new business prospect the other day while gathering information to quote the insurance for his residential construction business.  When I asked him about his employee payroll and anyRead The Full Article »

Problem General Liability Exclusions

Your agent is the one to help you avoid them Most General Liability insurance carriers are wary of insuring contractors because of the high frequency and severity of construction defect claims that have occurred nationwide. As a result, many insurance carriers,Read The Full Article »

Green Building Insurance Challenges

Understanding what your policy covers As mentioned in “Green Building Risk Management Obstacles”, there are many potential risks involved in the emerging field of green building. Current insurance policy forms may not provide adequate coverage for all green building risks atRead The Full Article »