Trade Contractor Insurance
Protecting Your Business, Reputation, and Providing Peace of Mind
As an artisan contractor—whether you’re a plumber, electrician, carpenter, painter, or mason—your hands-on skills are the heart of your business. But with every project comes potential risks: property damage, accidental injuries, or even dissatisfied customers who may hold you responsible for financial losses. That’s where liability insurance becomes one of the most important tools in your professional…
Read MoreDo You Know Where You Are Going to Find Your Next Employee?
The construction industry is experiencing a labor crisis. A combination of retiring skilled workers, geopolitical forces, fewer young professionals entering the trades, and pandemic-related disruptions have led to a severe work-force shortage. A skilled labor shortage is at the heart of the issue—a gap where the demand for qualified, experienced workers far exceeds supply. This…
Read MoreLights. Camera. Action. Gotcha!
Learn about using affordable technology to mitigate loss to trade contractors. Read some practical suggestions that may benefit your trade contracting business. Perception and greed. Intriguing movie themes, as well as real life motivators. With that in mind, this blog rolls out three hypothetical takes focused on a particular aspect of the daily operation of…
Read MoreElect Coverage for Workers’ Compensation
Depending on your role as an artisan contractor in Ohio, workers’ compensation may be optional. Ohio requires all employers with at least one employee to have workers’ compensation however you may be able to decline coverage as well. As the owner if you are a sole proprietor, partnership, limited liability company (LLC) acting as a…
Read MoreDon’t Take It All On, Transfer Risk to Your Subcontractors
Working with many Artisan Contractors, I have learned it is often necessary for them to subcontract out parts of a project. There are several key points to address when you hire a subcontractor to protect your business from loss and unforeseen expenses. Several of the key points as to why a Certificate of Insurance is…
Read MoreContractors Errors & Omissions Insurance Could Save You a Bundle
Many artisan contractors believe they are fully protected from liability losses for many reasons. But the standard Insurance Service Office (ISO) Commercial General Liability policy does not cover the named insured’s work or products. Contractors around Northeast Ohio register with many Cuyahoga County municipalities and must provide proof of Liability Insurance to complete the registration…
Read MoreWhat’s on Your List?
Read a short list of activities that present liability risk for contracting businesses. Contractors are doers. They plan, build, deliver services, and are vital to both the local and larger economies. From the single handyperson to the specialized industrial parts supplier, contractors somewhere regularly engage in one or more of the following activities. Create Operate…
Read MoreProtect Your Commercial Auto Premiums from Drastic Increases
Spring has finally sprung in Northeast Ohio and everyday my street is lined with contractors’ vehicles. Landscapers, lawn sprinkler repair, painters, flooring installation, you get the idea. I often wonder how did the employer decide which one of their employees should have access to the company’s vehicles. At fault accidents are the most common cause…
Read MoreProtect Your Business and Clients with a Certificate of Insurance
Working with many Artisan Contractors, I have learned it is often necessary for them to subcontract out parts of a project. There are several key points to address when you hire the subcontractor to protect your business from losses and unforeseen expenses. The limits of liability required by the subcontractor should be in writing and…
Read MoreSpecialty Trades Require Special License
Learn about Ohio license requirements for five types of commercial contractors. Read five specialty trades for which Ohio commercial contractor license requirements may also apply to residential contractors. Trade contractors are essential to Northeast Ohio’s economy. From maintenance and repairs to rehabs to new construction, skilled tradespeople are key to the region’s resilience and growth.…
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