Restoration Insurance Tip: Employee Dishonesty
As the economy continues to putter along, we are continually hearing stories about employees committing desperate acts against their restoration-company employers and even their customers. Within the past year, we have seen the following scenarios happen to some of our clients: An employee stole inventory from his company and disappeared. Another employee used the company credit card for personal purchases, including a television, gas, and clothes. And yet another employee
Controlling Workplace Hazards
Restoration contractors encounter a variety of hazards every single day, and one of the most important things you can do is effectively remove or control those hazards to protect your workers. While removing the hazard is ideal, it is not always possible. In those scenarios, it’s important to control the hazard through proper policies and procedures and person protective equipment. Removing Hazards The best way to protect workers from hazards is to remove hazards from the w
Who is an Insured?
One of the common questions we receive in regards to general liability insurance for restoration contractors is in regards to who is actually covered on the policy. Under the standard general liability policy there are two main types of insureds: named insureds and additional insureds. Named insureds are individuals that are named in the declarations pages of the policy or defined as an insured within the policy itself. Additional insureds are companies or individuals that ar
Working on Snow Covered Roofs
For many of our restoration contractor clients, it is necessary to work on roofs during the winter months. This can be treacherous and hazardous work, which is why we recommend following these safety tips to avoid harm or injury. Planning and Preparation When it becomes necessary to work on a roof in the winter months, you should ask yourself the following questions to ensure you are prepared: What special tools, equipment, protective devices, clothing, and footwear will be
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