What is an Experience Mod and How Does it Affect Your Premium?
A frequent question we receive is in regards to a company's experience mod and how it affects workers compensation premium. This...


Admitted Insurance Companies vs. Non-admitted Insurance Companies
Insurance for restoration contractors is very specialized. As such we often work with both admitted insurance companies and non-admitted...


Who is an insured?
This week we want to focus on the various types of individuals names as insureds on your policies as well: 1. Your “volunteer workers”...


Occurrence vs. Claims-Made Insurance Part 2
Last week we started our discussion on the two types of insurance coverage forms that affect restoration contractors: Occurrence and...


Occurrence Form vs. Claims-made Form
For most commercial insurance policies for restoration contractors there are two coverage forms that determine how your insurance policy...









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