Trade Contractor Insurance
Winter Weather Safety Tips for Construction Workers
Everyone knows that winters in Northeast Ohio can be brutal, but contractors must continue to work. The least of which is the viability of the business; bills, payments on equipment, and other expenses do not stop when the warm weather ends. More importantly, the safety of your employees becomes even more important during the harsh…
Read MoreContractor’s Pollution Liability (CPL): What it is and Why it is Necessary
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…
Read MoreDon’t Get ‘Snowed’ This Winter
Winter in Northeast Ohio is right around the corner and many snow removal contractors are signing contracts for the 2020-2021 season. While revenue is of great concern during these unprecedented times, don’t forget to create a loss control program to reduce your insurance losses. Before the first snowfall take a digital picture of each client’s…
Read MoreGrab a Pencil, Trade Contractors
Read four scenarios relating universal life events with trade contractors’ need for insurance. Learn a few insurance basics by taking a quiz focused on trade contractors and insurance. It’s September 2020, and we’re all back to school in one way or another. In the spirit of back-to-school, today’s blog is presented in quiz format. The…
Read More3 R’s for the Small, Start-Up Trade Contractor
Learn 3 R’s that may help small, start-up trade contractors evaluate basic insurance needs. Read 3 R’s that frame property and liability insurance basics for small, start-up trade contractors. Resourceful. Resilient. Resolute. Three R’s that are hallmarks of the American spirit, particularly in response to difficult circumstances. Job loss or lessened work hours resulting from…
Read MoreStop Backover Accidents in Your Commercial Auto Fleet
Approximately 60 occupational fatalities occur each year due to backover accidents. This number can be reduced by implementing additional safety standards for your commercial auto fleet and reduce your auto insurance premiums. OSHA’s standard for motor vehicles only requires a backup alarm “audible above the surrounding noise level” on any vehicle with “an obstructed view…
Read MoreStartup Landscaping Contractors Need Coverage From Day 1
With May’s unemployment rate in Ohio sitting at a staggering 13.7% due to COVID-19, Richey-Barrett Insurance has been receiving a large number of requests for insurance from startup landscape contractors. Unfortunately, our closing rate has been much lower than normal for theses artisans, and I am concerned many of these startups are going without the…
Read MoreThe Importance of Certificates of Insurance
Read more about the importance of a Certificate of Liability Insurance (COI). Working with numerous 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 loses and unforeseen expenses. The…
Read MoreConstruction Contractors Restart Ohio!
On Monday, May 4th 2020, non-essential construction contractors were able to return to work in Ohio. While many artisan contractors were considered essential during Ohio’s stay at home order, many plumbers, electricians and carpenters chose not to work due to the lack of guidance provided by the state. Now, the State has put out guidelines…
Read MoreContractor Safety
Spring is upon us and it seems like there are Artisan Contractors everywhere. Today, in the parking lot I saw two heating ventilation and air conditioning (HVAC) trucks and roofers inspecting the building across the street. With all of this work, all of a sudden you can’t lose sight of on-the-job safety. Safety has to…
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