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03 November 2017

Inland Marine Insurance or Builders Risk?

There are numerous different insurance policies to pick from when you’re developing the insurance protection that’s ideal for your construction contractors business. Builders risk and inland marine are both essential insurance policies for contractors and subcontractors to think about, but they overlap in one primary area: each provides you with insurance coverage for your tools...
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06 October 2017

General Liability Exclusions

Most contractors understand that in many states there are specific licensing requirements that must be fulfilled to get that coveted license that will allow you to compete legally in your specific industry. One of those requirements is generally going to be General Liability (GL) insurance. This coverage is required not to protect you and your...
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01 September 2017

Construction Defect Lawsuits

Construction defects are problem areas in a building that are the consequences of errors made in either designing or craftsmanship. For example, defects are often revealed in the construction documentation, like a mistake in the architect’s drawings. But they can also be the outcome of a building contractor failing to conform to the construction documents...
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06 August 2017

Contractor Bonds 101

There are many different types of construction bonds that contractors use to guarantee construction work that is required by most state governments in their attempt to financially protect consumers, vendors, and workers. Knowing this, we have created contractor bonds 101 to help your understanding of the various types of bonds. In states like California where...
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03 July 2017

4 Ways to Win Roofing Clients’ Trust

A roof is a lot of things, but to your clients, it’s a symbol of the shelter and security they continuously rely on.  It shields them from the elements and keeps their families protected. Because their home and roof is so important, here are four great waus to win roofing clients’ trust. That is to...
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02 June 2017

General Liability FAQs

Most contractors are aware of their need for contractors General Liability coverage because either their state requires having this coverage to protect your customers, or they sincerely understand the risks that are associated with owning a business. Certainly, any contractor that has had something go wrong at the job site and then had to pay...
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07 April 2017

Terrorism Insurance for Small Businesses

Virtually every type of commercial insurance policy excludes coverage for damages and liability resulting from an act of terrorism or terrorist activities. As a result of the terrorist attacks that occurred on September 11, 2001, the U.S. Congress passed legislation that would accommodate business owners who suffer losses in the future as a result of...
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03 March 2017

Top 5 Workplace Accidents and Injuries

Recently, Travelers Insurance released an “Injury Impact Report” which revealed the most common cause of workplace accidents and injuries. After reviewing workers’ compensation claims from different business sizes and industries, they listed the most prevalent types of injuries and the percentage they represent of total claims between 2010 and 2014. The number of total claims...
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03 February 2017

Pay it Now or Pay Them Later: The Truth about Workers Comp Penalties

Most California contractors are acutely aware that the state takes the protection of its workers seriously. One needs only to review the licensing information and the requirements that are associated with it, namely Workers’ Compensation. Why is it the state is so adamant about enforcing workers’ compensation requirements? Simply put, California wants their workers protected...
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