Surviving Your Insurance Audit

What contractors need to know BEFORE the auditor arrives Insurance audit. Just these simple words can trigger very negative emotions for a contractor!  In this blog I will attempt to help prepare you for your next Workers Compensation and/or GeneralRead The Full Article »

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 »

Insured Subcontractors and Workers’ Comp Insurance

Is it necessary? The second most common myth regarding Workers Compensation for the construction industry is that Workers Compensation insurance isn’t required by builder who only use insured subcontractors and do not have any direct employees. Like the other mythsRead The Full Article »