Tag: Contractors

Combine Your Business Insurance Policies And Save

Business Insurance The world is changing, and we understand the many issues that businesses face every day. There is constant competition for your customers, there are challenges in attracting and retaining top talent, and your cost of goods keeps going up.  Part of your planning should include an annual business insurance review.  We can offer a number of ways to save and improve on your...

How To Improve Your Commercial Property Insurance

Business Insurance Coverage That You Might Be Missing Insuring your building is one of the most important decisions you make as an owner. In the event of a loss, having the right kind of insurance will be critical in recovery and resuming your business operations. Over 40% of businesses that suffer a total loss never resume operations. If these businesses had purchased the right insurance...

We Believe Insurance Is a Promise

There are so many different ways to buy personal insurance.  You can purchase personal insurance online, from a captive agent, or from an independent agent like us.  The idea of insurance being a promise may be new to many people, but not to us.  The basic concept of insurance being a promise is that you pay an insurance company, and they in turn promise to...

Employee or Independent Contractor—What Is the Difference?

Employee or Independent Contractor—What Is the Difference? Today more than ever, businesses are evaluating the need for full-time versus part-time employees.  Many firms are also considering using third-party firms for certain functions.  Before you make any decisions about contracting out job functions, read this. Your employee will receive benefits such as health insurance and workers' compensation. Advantages of Hiring an Employee Employees can sometimes take...

What Does Builder's Risk Insurance Cover?

What Does Builder's Risk Insurance Cover? Builder's Risk Insurance generally covers the owner, the lending institution, the contractor(s) performing the work, and other related parties. In addition to providing coverage for damage to the building itself, most plans also cover temporary constructs (like scaffolding), materials, and equipment being used (whether it's currently on-site or off-site). The majority of policies are written on an all-perils basis,...