Suppose an air conditioning contractor, while installing a system for a new industrial building, has an accident. Another contractor’s employee on the job site suffers injuries when the AC contractor’s scaffolding collapses and falls on top of him. The injured worker sues the AC contractor and the project owner. The project’s contract included a requirement that the contractor assume the owner’s liability for any accidents arising out of the contractor’s work. Consequently, t

We just came across a strange claim that involved a restoration contractor we felt was worth sharing: a restoration contractor was working at an apartment building and one the employees had a master key set that went to several apartments at the complex. One afternoon when he left for lunch and accidentally left the keys on his ladder; when he returned the keys had been stolen. When he reported the loss, the apartment complex had to replace all of the locks that could be

If one of your restoration company’s employees were to hit somebody while driving a bobcat or bulldozer do you know if the claim would be covered by general liability or your commercial auto policy? We have found that many of our clients are unsure of where to find the liability coverage for large pieces of equipment that are typically designed to be driven on the road. So we want to use this post to shed some light on what insurance companies feel is commercial auto and wha

Business Income (or business interruption insurance) protects restoration contractors from the loss of income when their facility suffers a disaster that forces it to close. While a property insurance policy covers the physical damage or loss to a restoration contractor’s property, a business income insurance policy will cover the business for lost profits and expense payments. This type of policy is usually purchased in conjunction with a property insurance policy. An import