Specialty Trades Require Special License

Contractor Blog

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. […]

General Liability Policy Rating and Limits for Artisan Contractors

Artisan Contractors

Read about General Liability insurance pricing and limits for artisan contractors. General Liability Policy Rating and Limits for Artisan Contractors Artisan contractors are vital to modern life and commerce. Tectonic advances accompanied by both the Industrial Age and the Information Age have not outdistanced the ingenuity and survival of skilled craftspeople. Modern human society needs […]

Cutting Your Cut Cable Claims

cutting your cut cable claims

Call 811 in Ohio before you dig. One of our agency’s clients just had a $17,000.00 claim for striking an underground electrical wire in a Greater Cleveland parking lot. Even though the client submitted a dig notification, the exact location of the dig in the parking lot was confusing and a grass island in the […]

Queue Up Insurance Coverage for Artisan Carpenters

Artisan Carpenters

Read two lists of insurance coverages applicable to artisan carpenters. Learn about insurance coverages needed to protect artisan carpenter businesses. While Northeast Ohioans still await the invigoration of open windows and colorful spring blossoms, many are eager to put building and remodeling plans into action. Cue the artisan carpenters. As artisan carpenters gear up for […]

Distracted Driving Everybody’s Problem

Distracted Driving everybody’s problem (2)

Many trade contractors use their van or truck as their mobile office. Invoicing, credit card readers and receipts that need to be filed, are on the dash, shoved in the sun visor or in a cup holder,  you get the picture. There is even a pickup that touts its rear tailgate as being flexible enough […]

Cutting Corners Could Collapse Your Tent

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Read about general requirements trade contractors must adhere to in order to work in Ohio. Learn why trade contractors need to understand state and local requirements before working. Trade contracting is a big tent term. Even the lone handypersonperforming minor repair work for a fee may be considered a contractor. It is the responsibility of […]

Trade Contractors Face Covid-19 Challenges

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Trade contractors facing challenges from Covid 19 As the residents of Northeast Ohio reevaluate their life styles since Covid-19 hit, trade contractors have had many opportunities to grow their businesses. However, like many other businesses, they are facing new challenges. Labor shortages are hitting trade contractors. Employees have had to increase pay to keep employees […]

Handyperson or Artisan Contractor, We Have You Covered.

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Many contractors provide a variety of services but are they a handyperson or an artisan contractor is a question that we are discussing on a regular basis. According to the Insurance Service Office, a handyperson who provides a variety of maintenance-type services to their clients. However, the service must involve minor repair work including but […]

Moving Pieces and Parts. Automobile Insurance for Trade Contractors.

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Learn about owned, non-owned, and hired automobile insurance for trade contractors. Read why trade contractors need more than business-owned automobile insurance. The main stage for trade contractors is the job site. Pieces and parts are routinely put together, either for repair, renovation, or new construction. Those pieces and parts don’t magically appear at job sites; […]

Contractors Pollution Liability (CPL): Coverage against an Expensive Mistake

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Contractors – do you need Pollution Liability coverage? Have you discussed the pollution exclusion in your General Liability policy with your agent? Contractor’s pollution liability (CPL) provides third-party coverage for bodily injury, property damage, clean-up expense, and defense expense as a result of your creation of a condition that is considered pollution. This condition can […]