Tom Hester 
The Endorsement I Have Just Been Asked For? You are negotiating a large new contract, and the owner requests that you provide them a certificate of insurance naming them as additional insured. You might wonder, can I get that and … Read more
Legal Fees And Their Effect On Your Insurance Policy Limits. Every business owner knows that the Country is in the grip of liability lawsuits mania. The number of lawsuits against small businesses has skyrocketed in the last ten years. No … Read more
The Roofing business is a difficult profession. Before you start working you must make sure you are in compliance with any State and local laws in the area you plan to operate. The vast majority of States have no specific … Read more
So you have decided to go out on your own and start your own roofing business. Congratulations!!! There are a few simple techniques below that will help you save money and honestly quite possibly be the difference between running a … Read more
The main reason you purchase a roofing insurance policy is to protect against unforeseen risks that may arise. It does not matter if you install metal roofing or shingles you need protection. These financial risks can put you out of … Read more
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 home to … Read more
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 … Read more
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 … Read more
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. Cumulatively, … Read more
Urderstanding 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 … Read more
You may have heard the terms “contractor” and “subcontractor” interchangeably used. 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 … Read more
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 every type of … Read more
