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Do I Really Need Commercial Auto Insurance?
What is Commercial Auto Insurance? Commercial auto insurance covers vehicles used for any business purposes. Different scenarios include: You’re a sole proprietor, self-employed, or own a small business that uses a vehicle in any capacity (other than commuting from...
Your Illinois Roofing License Renewal and Your Limited Liability Company on 2022
As you are probably aware it is time for biennial license renewal. All Illinois roofing licenses expire 12/31/2021. (It would be in your best interest to keep reading this so as to benefit from my years of experience thereby saving you from the aggravation of having...
Product-Completed Operations: What Is It & Do I Need This Type of Insurance Coverage?
An alarming number of small businesses in the US are underinsured. Is yours one of them? In this article, we look at what product completed operations coverage is, exactly what it covers (and what it does not cover), who needs it, and how claims are filed. What...
Who Needs Professional Liability Insurance?
What is Professional Liability Insurance? If you have a client that’s upset with the quality of your company’s work or behavior of your employees, they could decide to sue you for damages. The scary thing for business owners is that going to court is expensive, even...
Named Insured vs Additional Insured: What’s the Difference?
Accidents happen in every industry, but the risk of a mishap is elevated in the construction industry. Historically, 1 in 5 US worker fatalities occurred in the construction industry, and the injury rate was 71 percent higher than the average of all other industries....
Insurance Certificate Holder and Additional Insured: What’s the Difference?
Understanding the Terminology The legal jargon surrounding insurance policies and associated contracts can be confusing for many, making it difficult for the average consumer to know exactly what they’re purchasing. In order to make an informed decision and choose the...
Subcontractor vs Contractor: The Difference Explained
Subcontractor vs contractor you've probably heard these terms used interchangeably. Often, these terms simply mean a hired person to complete a job. In the construction industry, however, these terms mean very different things and should not be mixed up for one...
General Liability vs Professional Liability: Which One is Right For Me?
Why Do I Need Insurance For My Business? According to Statista, 8.2% of contractor professionals and managers are uninsured, leaving this group vulnerable to unexpected financial loss that can potentially devastate their bottom lines and operations. Nearly...
Bonded and Insured: What Do They Mean & What’s the Difference?
When you're a contractor, it's important to establish your credibility with potential customers. That's why you might see the phrase “bonded and insured” in advertising materials. It's a great selling point that diligent customers look for. But what does it really...
New Requirements For State Of Washington Plumbing Contractors 2021
Just when there is light at the end of the COVID tunnel, there are New Requirements For State Of Washington Plumbing Contractors 2021. The State of Washington has decided on July 1, 2021 plumbers will need to get a separate license. In the few paragraphs below these...
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