As a contractor, knowing the difference between admitted and non-admitted insurance companies is key—kind of like knowing the difference between a hammer and a nail gun! In the most simplistic terms, an “admitted” insurance provider has been approved by a state’s Department of Insurance, and a “non-admitted” carrier has not. While this simple definition might …

What are Admitted carriers and Non-admitted – Surplus Lines Insurance carriers? Read More »

We understand that maintaining valuable relationships with your customers, vendors, and subcontractors are key to the success of your business. You take pride in the quality of your work which, by extension, includes the quality of your subcontractors’ work. Therefore, it’s important to consider potential unique circumstances and risks when hiring subcontractors. POTENTIAL BUSINESS LIABILITIES …

The 6 Biggest Risks Contractors Make in Hiring Subcontractors & How to Avoid Them – CYA 101 Read More »

What Is a Certificate of Insurance? A Certificate of Insurance provides evidence of insurance showing coverage limits, insurance company details, and expiration dates of policies.  It is a simple method for offering proof to a third-party who has requested it that you carry commercial insurance. Its purpose is for notification only. The industry standard summarizing …

What is a Certificate of Insurance – ACORD 25? Read More »

Let’s face it. No one loves shopping for insurance, and most contractors, especially New contractors, buy General Liability insurance Based on Price. Big Mistake! Buying your General Liability Insurance based on price alone is the biggest mistake you can make.  It’s not your fault and our industry doesn’t help. As a new contractor or a …

The Biggest & Most Disastrous Mistake New Contractors Make When Shopping for General Liability Insurance Read More »

The short answer is YES. Independent contractors need insurance for a variety of reasons. IMPORTANT: You do not have to be at fault to be sued. If you are sued by a client, then you will have to take the time to deal with the lawsuit and spend your own money on a lawyer, even …

Do Independent Contractors Really Need General Liability Insurance? Read More »

  Workers’ Compensation Insurance is a non-negotiable in the construction industry—and, as an employer, it’s important to understand dual wage classifications. But what, exactly, is the dual wage classification system? What do you, as an employer, need to understand about it? And what are the separate classifications for different types of construction workers with different …

Workers Compensation For California Contractors & New Dual Wage Classifications Read More »