Trade Contractor Insurance
Trench Boxes are for your Safety
Many artisan contractors may find themselves needing to dig a trench. It could be a plumber replacing a sewer line, a carpenter digging a foundation or a waterproofing contractor working on an existing structure. Spring is upon us in Northeast Ohio, and even with all of the issues with COVID-19, artisan contractors are getting back…
Read More5 Ways for Your Business to Save
Are you a small-business owner looking to save some money? Cutting hidden costs is one huge step to helping your bottom line. Hidden costs have a way of adding up over time, costing your business a substantial amount of money in the long run. Here are five ways to help you cut some hidden costs…
Read MoreHandyperson or Artisan Contractor: We Have You Covered
We’ve Got You Covered! 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 provides a variety of maintenance-type services to their clients. However, the service must involve minor repair…
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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 MoreA Different Kind of Floater
How many times have you driven by a worksite and seen a load of lumber left by a carpenter for a new deck, or several bundles of shingles laying there for a new roof, or even a furnace or air conditioning unit waiting to be installed by an HVAC contractor at a later date? How…
Read MoreEveryone Makes Mistakes. Are You Covered?
George, the contractor, has more than 20 years of experience in his craft although navigating the insurance part of his business can sometimes still be foggy. No business is able to run without some bumps and after a few unpleasant customer experiences, George decides to contact his trusty insurance agent to see what actions can…
Read MoreSnow Plow Insurance Rates are Heating Up
Insurance rates are going up Placing insurance for Snow Removal Contractors is becoming more difficult as more and more insurance companies are pulling out of the market. With winter right around the corner in Northeast Ohio what does that mean as you prepare for the season? Your insurance premium may be going up this year.…
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 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…
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…
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