Tuesday, February 20, 2018

General Liability Insurance vs. Umbrella : Liability Insurance



General liability insurance and umbrella liability both have their fair share of pros and cons. Find out about general liability insurance versus umbrella liability insurance with help from an experienced insurance professional in this free video clip.

Saturday, February 17, 2018

We Are Working For Contractors


Welcome contractors and thank you for the opportunity to earn your business. We have made serving small to medium size businesses our first priority since opening our doors in 1997. Today, thousands of satisfied clients trust us with the coverage they need and rely on us for the service they want.
We earn our reputation by providing what you want and then going beyond to deliver the unexpected. Here’s what you get: First, you are handed your own dedicated support team made of licensed pros who really know construction coverage. Next, you get our fully-staffed certificate department at the ready. After that, anytime you need us you have the most highly-experienced group of specialty insurance people in the business. Wrapping it all up, you get a guarantee that puts in writing that you will continue to get this service all the time.
With us, you get the specialist in the field. The best. You usually expect to pay more for this level of service, but the people we serve happily report that our premiums are actually better. And, of course, no one else has the huge advantage of our experienced service and our written guarantee on top of it all.

Remember, with us, it’s more than a slogan, we are Working for Contractors™.

Wednesday, February 14, 2018

How To Decorate Cookies For Valentine's Day



This year I decided to keep things simple with my Valentine’s Day cookies. I used only flood consistency royal icing and a round decorating tip 2. This is unlike my Valentine’s Day cookies from past years, which have involved many icing consistencies, colors, decorating tips and even some fondant!

Sunday, February 11, 2018

Thursday, February 8, 2018

Contractors Insurance Protects Your Business


General contractors call the shots in most construction projects, taking the lead in all important operations including coordinating subcontractors, supervising job sites, and many other responsibilities to ensure projects stay on time and within budget. The many risks involved with leading these projects makes contractors insurance essential to protect the business against losses that may result from a lawsuit.

One of the common misconceptions of contractors insurance is that it only applies to general contractors. But subcontractors such as carpenters, roofers, landscapers, masons, electricians, plumbers, and other trades are all liable as well. Since they are often involved in complex business relationships, contractors need to be able to rely on an insurance company that has their best interests in mind.

Most contractors understand the common risks of construction projects, such as injury to subcontractors, not being paid on time, not adhering to timeframe agreements, and other risks that should be considered when drafting the general construction agreement. A contractor's insurance policy may include provisions for issues such as negligence and workplace safety.

Speaking of contracts, all contractors should carefully read every contract and even ask their attorney to review the agreement before they sign on the dotted line. Depending on the size and length of the project, certain clauses can hold hidden fees and liabilities for which the contractor is unclear. This oversight can ultimately result in a situation that isn't covered by contractors insurance and therefore becomes out-of-pocket costs that can seriously damage a business.

Whether you're a contractor or subcontractor researching business insurance, coverage typically involves general liability, commercial automobiles, workers compensation, builder's risk, tools and equipment, bonds commercial umbrella, and employee benefits.

Remember to keep the following risks in mind when you speak with your contractor's insurance company:

• Defective products: As a general contractor, you're responsible for all of the work performed by your subcontractors. So, what if, for example, your electrical subcontractor installs a kitchen light that catches fire and burns part of the ceiling? The manufacturer is ultimately responsible, but both you and the electrician will also likely be included in a costly lawsuit.

• Construction contracts: Everyone enters into a contract with the best intentions. But when things go wrong, fingers start pointing. As a contractor, you should make sure that the contract is reviewed by a lawyer to make sure your business has the right insurance for each and every job.

• Litigation costs: Whether you're a sole proprietor performing general remodeling, a specialty tradesman or anyone in between, you need to protect yourself from litigation by having a policy with an insurance company that has your best interests in mind.



Article Source: http://EzineArticles.com/7204077

Monday, February 5, 2018

California Department Of Insurance Host Workshop For Consumers Impacted By Montecito Wildfires



Insurance Commissioner Dave Jones and the California Department of Insurance (CDI) host an informative insurance workshop for consumers impacted by the recent wildfires to speak one-on-one with a CDI representative with regard to any insurance questions or concerns. Location: Santa Barbara City College, Fé Bland Forum Business/Communication Center, 721 Cliff Drive Santa Barbara, CA

Friday, February 2, 2018

Regulatory Rollback Means Big Savings For Small Business



A by-the-numbers look at key regulations that have been repealed or delayed in the first six months of the Trump Administration, and how much money has been saved for small business.