Wednesday, March 30, 2016

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™.

Sunday, March 27, 2016

Why You Need Contractors Insurance

If you are a contractor in any type of field, you understand that there are certain risks that you and your client undertake when performing the necessary work to accomplish the task at hand. These risks could be solely upon either party or involve each equally. Each party involved needs to have that risk minimized so it will not interfere with their own business or even their personal lives. Contractors insurance provides this coverage to give you and your client the peace of mind that you both are seeking.

Contractors Insurance is a policy which is acquired by the contractor themselves. This policy covers and protects the contractor from any kind of liability which can occur while performing the course of the work. These types of insurance policies not only cover the contractor themselves but, they also cover any agents, employees, partners and the like from any kind of claims that may arise.

Depending on the type of policy which you will want to take out, the covered occurrences could include, fire, leaks, acts of God, war and terrorism, safety issues, etc. Before signing any policy, be sure to review every article within the policy to ensure that the liabilities you could incur are covered. Be sure to also exclude any type of liabilities that would not apply to your certain field. You wouldn't want to purchase and pay for coverage which you will never need.

There is a multitude of professional fields that could benefit with the added protection of carrying some form of Contractors Insurance. Most of these fields are predominately grouped into the construction field. They would include roofers, electricians, plumbers, framers, architects, engineers, etc.

Other fields that could use a similar form of insurance would be computer technicians, designers, landscapers, any form of demolition contractors, any many more. To see if you could protect yourself with this kind of insurance, write down all of the circumstances that could go wrong during your normal course of project completion and consult with your insurance agent. They will have the final answers for you and be sure to bring up your concerns with them. Your agent might have a different kind of insurance that would be better suited to your specific needs.

There are five different options of insurance to consider when forming your policy. They are General Insurance, Workers Compensation Insurance, Inland Marine Insurance, Disability Insurance and Bonds. For your particular area, you may need one, two, three or even all of the available coverage's.

Be careful to not waste your money on insurance options that you will not need. For example, if you do not transport goods such as a trucking company or other courier service, you would not want to spend the money on Inland Marine Insurance for that is what this type of insurance is for. However, if you have employees that are on your active payroll, you will not want to pass up the coverage for Workers Compensation Insurance coverage. Consult with your insurance agent to get the best coverage at the most reasonable price.

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Thursday, March 24, 2016

Fire Prevention

Elaine Nashashibi had just minutes to get out of their house when the smoke detector went off. Today she says smoke detectors are absolutely essential and should be checked regularly to be sure they are in good working order. Fire education expert Mary Marchone says the more smoke detectors you have in your home the more likely you will be able to escape a fire. According to the U.S. Fire Administration is that people are not taking proper care of battery operated smoke detectors which means many people think they are protected when they are not. The biggest mistake occurs when a homeowner removes a dead battery then fails to replace it for days, weeks or months.

Monday, March 21, 2016

NFIB Takes A Stand On SCOTUS & Regulatory Overreach

This week (3.18.2016) in small business, President Obama nominated Merrick Garland for the U.S. Supreme Court. For the first time in NFIB’s 73-year history, we will be vetting the Supreme Court nominee. NFIB is also remaining vocal about a recent USFWS regulation that will rob many business owners of their property value. NFIB has asked the agency to rescind this regulation and will file a legal complaint if they do not comply. Plus, an election update.

Friday, March 18, 2016

Don't Allow Decks Or Porches To Be Fuel For A Wildfire.

Firewise Northeast Regional Advisor Heidi Wagner cautions that decks and porches are part of your house. They can act as fuel bridges to a fire.

Tuesday, March 15, 2016

Teen Drivers: Stay Safe Behind The Wheel

California Department of Insurance presents a video public service announcement for teen drivers.

Saturday, March 12, 2016

Wednesday, March 9, 2016

New NFIB Leadership & A Victory In Congress | NFIB’s Week In Small Business

This week (3.4.2016) in small business, NFIB welcomed Juanita Duggan as our first female President and CEO. Juanita is a highly experienced trade association executive and business advocate who comes from a small business background. Plus, find out how to be a small business voter and get the latest on a congressional victory against midnight regulations.

Sunday, March 6, 2016

Tips On Finding The Best Contractor Insurance

The best contractor insurance should be able to assure both the client and the contractor when it comes to getting compensated whenever there are certain accidents that occur or whenever there are injuries inflicted. When in search for the best types of insurance like a roofing contractor insurance, following these effective tips will help you:

In finding the best insurance for a contractor, you need to make sure that your main needs are covered and the money you pay for the insurance should also be just right for your project. Finding the right coverage should be your main priority when it comes to finding the best for you.

When it comes to finding the right coverage, researching online will help you a lot in finding companies that can provide you with the right type of coverage that you need. It is important that you get insurance quotes from reputable companies so that you get to acquire the best quote that will fit your needs.

Contacting an agent and meeting him or her to discuss your needs will be a great idea to ensure that you get the best type of insurance as a contractor. Through meeting face to face with an agent from a reputable company, you can effectively get your point across and you will definitely acquire the best insurance that will suit your needs best.

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