Restoration Contractors: Professional Liability Exclusion
There are a number of exclusions included in every general liability policy for restoration contractors. Some of them are standard exclusions included on every general liability policy while others are specific to restoration contractors. One of the common exclusions for all contractors is the professional liability exclusion. In fact, the professional liability exclusion has been the subject of the most substantial litigation out of all the exclusions listed on the CGL po
Restoration Insurance: Creating a Driver Safety Program
One of the most costly claims for restoration contractors are auto-related accidents. In fact, according to OHSA, someone dies from a motor vehicle crash every 12 minutes, an injury occurs every 10 seconds and a crash occurs every 5 seconds. Employers bear the costs for these injuries, which is why implementing a driver safety program is of the utmost importance. Not only will a driver safety program keep your employees safe, but it will almost always result in a reductio
Restoration Claim Scenario: Fall Prevention
A restoration contractor experienced two separate falls from heights within the last year incurring a total of $130,000 in losses. While performing roof repair work on a residential home, a 30 year old male, fell 18 feet sustaining several injuries to his knee, back, thigh and hip when descending from a 24 foot ladder. A second individual fell off of the roof of a home suffering extensive injuries his first week on the job. He fractured four vertebrae, his right elbow and tai
Restoration Insurance: Why is "symbol 1" important?
What are “covered auto symbols” on a commercial auto policy (BAP)? Covered auto symbols allow you to customize the extent that coverage is extended to you, your vehicle, and third parties. The symbol may pertain to either a kind of vehicle (i.e. private passenger) and/or the vehicle’s ownership status (i.e. owned, hired, etc.). The applicable symbols are numbered 1 through 9, and are found on the declarations page of your business automobile insurance policy corresponding to
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