Many restoration contractors mistakenly believe that the vehicles they use for business will be covered by personal car insurance policies. Business owners frequently discover the hard way that they need commercial auto insurance for a vehicle used for business: after they attempt to file claims on their personal auto coverage for damages or injuries from accidents. It is not always easy to figure out what specific car insurance you need for a business vehicle, and it is impo

From time to time we like to share claim scenarios we encounter in hopes that by sharing the information it will help protection your restoration company from a similar type claim. The Claim: A 54 year old, 250 pound restoration worker was working on a ladder measuring a piece of duct work. While he was 9 feet up, a rivet broke and the ladder twisted causing him to fall on his co-worker who was attempting to steady the ladder. Both sustained serious injuries with one employ

Every once in a while we receive an inquiry in regards to the difference between additional insureds and additional named insureds under the general liability policy. Hopefully with this post we will be able to clarify some of the differences. Additional Insured Generally, additional insured status is required by an individual or entity when a named insured has agreed to indemnify that party in a contract. Naming the indemnitee as additional insured reinforces the risk tra

Depending upon the job and type of work, we recommend employees for restoration contractors have hard hats. You never know when a piece of concrete, small rock, tool, or something else may strike you in the head. HARD HATS SERVE SEVERAL PURPOSES Hard hats not only reduce the chances of serious injury resulting from failing objects, but protect you when you bump your head on things- like machinery, ductwork, ceiling tie wires and forms. Non-conductive hard hats protect you fr