One of the most often overlooked, but vital coverages is Bailee’s coverage. Bailee’s coverage is vital for any business that has the property of others in their care, custody or control while preforming work for that customer. Under a standard general liability policy, customer’s property that is damaged or destroyed while in your care is excluded from the policy. Property insurance doesn’t provide coverage either as the policy isn’t intended to cover property you do not ow

Almost every employee working for a restoration company will do some sort of manual material handling. What many restoration contractors don’t think about is the likelihood of lower back injuries due to the awkward postures and repetitive movements involved. However, with some precaution many of these potential injuries can be avoided. Preventing Back Injures There are a number ways restoration contractors can help prevent back injuries to their employees: Workflow Adjustm

One of the most frequent, but least understood questions on almost every insurance application for restoration contractors is in regards to lockout/tagout procedures for a company. We thought we would use this post to define what a lockout/tagout procedure is and include some recommendations from OSHA on implementing a proper plan. Lockout/tagout procedures are designed to address the practices and procedures used to disable machinery and equipment to prevent the release of h

Restoration contractors are often asked to add a waiver of subrogation to their workers compensation policy. Should you sign a waiver of subrogation? Before you can answer this question, you need to have a full understanding of the agreement you are about to make and how it could affect your workers’ compensation risk and any associated costs. What is a Waiver of Subrogation? A waiver of subrogation is an agreement to waive (give up) your work comp insurance carrier’s right t