General Liability Insurance does not cover professional errors, intentional acts, employee injuries, or damage to your own business property. For professional errors, you would need Professional Liability Insurance. Workers' Compensation ...
Many large enterprises have the same requirements for independent contractors as they do for full scale businesses. Education can go a long way in helping them lower them to ...
While certificate holders are allowed to access policy information, and (in most cases) are informed of any changes, only an Additional Insured endorsement makes it so that the insurance ...
When a contractor has a claim, their insurance carrier may decide to later try to recoup the loss from other responsible parties – that means you. A waiver of ...
An umbrella policy extends the limits of the coverages a contractor already has. If a contractor has $1M General Liability and $3M Umbrella Liability, they can only use the ...
Many don’t realize that what Cyber really covers is data. If a contractor’s computer is hacked, it would cover the data lost in the cyber attack – but it ...
This is not an easy answer. Different insurance companies will have different formulas on determining your insurance premium; one of which can be claim frequency and severity. It is ...
An adjuster is a representative of the insurance company that helps settle a claim. They are not employed by us. We do not settle claims as this is done ...
Scheduling involves placing specific items with a specific value on your homeowners insurance. It can also be called an “Inland Marine” policy. This allows coverage for items that may ...
Replacement cost is the amount it costs to rebuild a home or structure. This amount can also include demolition. This value can be significantly different than an appraisal. Reason being, ...
