Suppose an air conditioning contractor has an accident while installing a system for a new industrial building. Another contractor’s employee on the job site suffers injuries when the AC contractor’s scaffolding collapses and falls on top of him. The injured worker sues the AC contractor and the project owner. The project’s contract required that the contractor assume the owner’s liability for any accidents arising out of the contractor’s work. Consequently, the contractor’s

We came across a strange claim involving a restoration contractor we felt was worth sharing: a restoration contractor was working at an apartment building. One of the employees had a master key set that went to several apartments at the complex. One afternoon, when he left for lunch and accidentally left the keys on his ladder, the keys had been stolen when he returned. When he reported the loss, the apartment complex had to replace all locks that the stolen keys could ac

Suppose one of your restoration company’s employees were to hit somebody while driving a bobcat or bulldozer. Do you know if the claim would be covered by general liability or your commercial auto policy? We have found that many of our clients are unsure of where to find the liability coverage for large pieces of equipment that are typically designed to be driven on the road. So we want to use this post to shed some light on what insurance companies feel is commercial auto a

Business Income (or business interruption insurance) protects restoration contractors from the loss of income when their facility suffers a disaster that forces it to close. While a property insurance policy covers the physical damage or loss to a restoration contractor’s property, a business income insurance policy will cover the business for lost profits and expense payments. This type of policy is usually purchased in conjunction with a property insurance policy. An import