Contractors

Homebuilder

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 any

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Construction defect

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,

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Green Building insurance

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 at

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Green Building insurance

Green Building Risk Management Obstacles

Compliance and cost issues Theodore L. Senet, a noted Los Angeles construction and insurance attorney, recently listed nine risk management issues dealing with green construction: Compliance with developing green building codes and local requirements Compliance with contract requirements related to certification levels

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Insured subcontractor

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 myths

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employment practices liability insurance

Employment Practices Liability Insurance

“Why Do I Need It?” Employers of all sizes are exposed to legal actions filed by current or former employees alleging discrimination, harassment, wrongful termination, and other charges. Employment Practices Liability Insurance covers lawsuits brought by employees (past, present or prospects),

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Non-owned and hired auto insurance

Rental Cars and Hired Car Physical Damage

Getting the most bang out of your insurance buck A client  called the other day to let me know he was going on a business trip, and asked whether or not he should buy the rental car company’s Physical Damage

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Construction defect

Garage Doors Susceptible to Tornado Winds

Damage could cause domino effect The collapse of garage doors during a tornado can set off a chain reaction that destroys the rest of the house, according to some experts. The Department of Industry and Labor in Minnesota recently upgraded

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Contractor Insurance

Liability Risks for Green Construction

Green certification is a way to gain third-party, independent, and international recognition that a project produces less waste, conserves water and energy, supports the health of its occupants, stamps a smaller carbon footprint, and is socially responsible.The risks of green

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Non-owned and Hired Auto liability

Non-owned and Hired Auto Liability

Do you really need it? Our home builder clients often ask if they really need to pay $225 a year for Non-owned and Hired Auto Liability coverage. They reason that this coverage is not needed if they don’t have many

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