Commercial

Insurers are in the unique position of having encyclopedic information about the many different ways your business property could be damaged or destroyed, from fire and flooding to embezzlement. Property is also vulnerable as a result of a variety of other events such as electrical surges, accidental activation of a chemical sprinkler system or a…

Professionals that operate their own businesses need professional liability insurance in addition to an in-home business or businessowners policy. This protects them against financial losses from lawsuits filed against them by their clients. Professionals are expected to have extensive technical knowledge or training in their particular area of expertise. They are also expected to perform…

Dear Valued Customer, There are many ways a construction project could be left with an environmental incident that must be addressed. When everything has been taken into account, the project owner is responsible for any incidents that occur during their project, however,  independent contractors must protect themselves against any claims of damage caused while on…

Delivering a construction project completed, on schedule and within the agreed budget is crucial for everyone involved. Delays due to product availability, staffing issues, or equipment malfunction are challenges all projects must overcome. However, unaddressed environmental risks can ultimately derail a project and significantly impact the schedule and budget. Although project impacts due to environmental…

General Contractor Liability When a general contractor is hired to complete a project, they oversee the entire project and may hire subcontractors to complete a portion of the work. Although the project owner retains some liability, the work performed, either by the general contractor or its subcontractors, is the responsibility of the general contractor, including…

Most contractors work in environments where asbestos, lead, mold, bacteria, and blood borne pathogens may exist and General Liability policies specifically exclude these exposures. Look into a Demolition Contractor Liability Insurance Program designed for demolition contractors who have less than a 25% environmental exposure. The Environmental Program includes expanded environmental coverage forms for those who…

Entrepreneurs often run their businesses from home. As they do work remote, they often rely on their homeowners insurance coverage to protect their home based businesses. While homeowner’s insurance protects your home, it may not insure parts of your business. As a result you may need additional business insurance. Your homeowners insurance may not include protection…

Allowing employees to work from home has notable perks for small business owners, like you. These include promoting a satisfied workforce and cutting down on office space expenses. However, among all of the telecommuting fanfare, there are still potential liabilities to consider. This is especially true when you have home-based business employees. Questions you should begin asking yourself include:…