Does a Restoration Contractor Need EPLI Insurance?
One of the most important but underpurchased insurance coverages for contractors is EPLI (Employment Practices Liability Insurance). EPLI covers businesses against claims by workers that their legal rights as employees of the company have been violated. The number of lawsuits filed by employees against their employers has been rising. While most suits are filed against large corporations, no company is immune to such lawsuits. Recognizing that smaller companies now need this
Understanding Cyber Liability (Part 1)
Beginning with the passage of the very first data privacy law in California in 2003, over 47 states and the federal government have passed data privacy laws throughout the United States. These laws require all organizations to take seriously the issue of securing their customer data from unauthorized disclosure or theft or suffer significant potential fines or penalties. No organization is immune from a data breach and the state and federal laws do not make a distinction betw
Restoration Safety – Hand Saws
The electric hand saw is one of the most common power tools found in residential construction. It is also one of the most abused being tossed around, kicked out of the way, but depended on to get the job done. Today we are going to discuss basic safety rules, guard rules, and saw blade rules. General Safety Rules: Use only grounded or double-insulated tools. Use only extension cords that are in good condition. Make sure there is an assured grounding program or ground fault in
Restoration Insurance: Do I Need an Umbrella Policy?
An umbrella policy provides liability coverage over and above the coverage afforded by your basic general liability policy. If you have also purchased commercial auto liability or employers liability coverage, your umbrella should apply excess of that coverage as well. To understand how an umbrella works try thinking of it in relation to a building. Your basic (primary) policies are the building floor and the umbrella is a roof with overhangs. The height of the building repre
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