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Homeowners Insurance vs Builder’s Risk Insurance

person holding a jigsaw puzzle piece with the word insurance on it

Do you need Builder’s Risk Insurance for homeowners or Homeowner’s Insurance? 90% of property owners have some form of insurance. But there are key differences between Homeowners Insurance and Builder’s Risk Insurance.  In this article, let’s take a look at … Read more

Top 3 reasons roofers get sued

Principal Banner of top 3 reasons roofers get sued

In any industry, there are risks involved, especially with construction-based industries. Roofing a dangerous profession that can lead to bodily injury. Roofing contractors face a financial risk with every new client. Unfortunately, lawsuits are a part of the roofing profession. … Read more

Could You Spot a Fake Certificate of Insurance

Man crossing his fingers behind his back who know how to Could You Spot a Fake Certificate of Insurance

Fraud and misrepresentation are not strangers to the insurance industry. Though there are thousands of people working ethically, corruption still exists. Why are the moral complexities of insurance companies important to you, the owner of a general contracting company? The … Read more

Why Do I Need Proof of Insurance for My Handyman Business?

Handyman who Starting a Well Protected and Fully Covered Handyman Business

Handyman businesses often find themselves wondering why they would need a general liability insurance policy. Most handyman businesses consist of either one or a handful of workers. Sometimes the thought of revising the budget to account for insurance costs seems unjustifiable, if there hasn’t been a liability issue … Read more

Hired and Non-Hired Auto Insurance

Driver working with confidence because he has insurance for his liability constructor's car.

Does your business have potential automobile loss exposure? In either case, the employer can potentially be held responsible for liability associated with operating a vehicle that has any reference to company business. The employee may carry their own coverage, but in most … Read more

Owner Controlled Insurance Program | Contractors Insurance

executive handing over a pen to sign an insurance contract

An owner controlled insurance program is a centralized insurance program usually procured for either specific construction projects or multiple construction contracts. The reason why general contractors and builders need to get this OCIP is because it will be able to cover all the project interests of the contractors and sub-contractors that will participate in the project. The general contractor will be able to maintain risk control and take up the management and administration of the insurance policy. The owner controlled insurance program is different from a contractor-arranged insurance program because under the latter, each individual contractor has to get his own insurance policy on different terms and conditions, limits and insurance coverage.