Sad but true, many California Contractors get a ‘Surprise Bill’ at their end-of-year audits and find out they have misclassified their employees and they end up owing money to the Workers Compensation Insurance Carrier for not correctly classifying their employees. As an employer, it’s important to understand dual wage classifications. But what, exactly, is the …

Avoid Expensive & Common Mistakes with Your Workers Compensation Insurance Read More »

Understanding all the terms and phrases of the insurance world is not easy. However, understanding Primary & Noncontributory Endorsements are terms that all contractors should be aware of and look for in their policies. This is especially true for contractors working with other trades on the same job site. Let’s start with the basics of …

Insurance lingo is Confusing! Discover, in Simple Terms, Why and What Contractors Need to Know about Waiver of Subrogation and Primary & Noncontributory Endorsements Read More »

A Commercial General Liability (CGL) policy protects your business from financial loss should you be liable for property damage or personal and advertising injury caused by your services, business operations or your employees. It covers non-professional negligent acts. Understanding this coverage is an important first step in managing CGL risks. Here are just a few examples of …

What is Commercial General Liability Insurance? Read More »

Homeowners are looking for skilled home repair professionals. Service providers – plumbers, remodelers, landscapers, etc. – are looking for customers. That match used to happen through word of mouth or perhaps a sign on a community bulletin board. Now companies like HomeAdvisor collect information about homeowners and then sell those leads to service providers. But an …

FTC Complaint alleges HomeAdvisor misled contractors about leads – Who’s Surprised? Read More »

Why should you, a construction business owner, consider incorporation? Oftentimes, people believe the default to be sole proprietorship. So, why should a construction professional look into incorporation? What are the benefits? Anyone who goes into business should incorporate, but this is especially the case for those in the construction business. Because of the many ways …

Important Reasons Why You Should Consider Incorporating Your Business as a California Contractor Read More »

Before we jump into what an Injury and Illness Prevention Program (IIPP) is and why it is required by law, we want to let you know that we are here to help if you do not have these programs in place yet. We can provide you with IIPP templates that you can use to get …

What is an Injury and Illness Prevention Program (IIPP) and How to I Start One? Read More »