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 […]
Every business in Northeast Ohio with employees or customers is exposed to potential employment practices liability claims. In the year ending December 31, 2019, the Equal Employment Opportunity Commission (EEOC) stated there were 72,675 charges against employers for discrimination. Read More! Employment Practices Liability Insurance (EPLI) should be part of your business insurance and loss mitigation program. Uninsured claims […]
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 […]
Learn about your potential liability exposures. Like many farmers, you are planning to sell your crops at your local farmer’s market this season. How well does your current farm insurance program cover your liability exposure in that endeavor? Have you added retail exposure the farmer’s market? When selling your fruits, vegetables, meats, or jarred items […]
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 […]
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 […]
The median age in the United States continues to increase and Northeast Ohio is growing older faster than most other urban areas. With that in mind, it is great to know the area is blessed with many great non-profit nursing homes and assisted living facilities that meet the needs of our aging society. Unfortunately, I […]
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 […]
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 […]
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 […]
