Protect the Project With Contractor’s Liability Coverage

Construction Insurance

There are general liability construction issues that can plague the most seasoned contractors, and dealing with work-related accidents can be both expensive and time-consuming. As advised by the experts at, the right construction insurance policy makes the difference in having the financial resources necessary to withstand a lawsuit. This could be a deciding factor in being able to stay in business or having to shut it down.

Types of Services Needing Coverage

As a precaution, many clients will request that a contractor or business carry a specific coverage line and limit before work on a project is allowed to begin.  Some of those businesses or services include:

  • Home improvement
  • Excavation
  • Land clearing
  • New construction
  • Remodeling
  • Welding
  • Asphalt laying
  • Concrete or masonry
  • Windows or siding
  • Masonry

Coverage Costs

The type of work you perform, the type of equipment you use, and the exposures you face during the course of work will impact the cost of your premium. Other things taken into account include the employees, past claims made, and work vehicles that may be operated on a daily basis. If you think carrying extra coverage will help your bottom, the reality is that you can’t afford to operate or withstand a claim without coverage. However, talk to your broker and your accountant, as insurance premiums can often be used as an expense, which helps restore your bottom line.


There’s a reason people readily pay a couple of hundred dollars to see their favorite artists perform in concert. Concerts can be an incredible experience. However, they can also pose a number of risks. Any time there are thousands of excitable people crammed into an event space there are safety concerns, but there are things you can do to help mitigate these concerns.

Types of Emergencies

There are several different kinds of emergencies that can happen at live events. Some of them include:

  • Power outage
  • Fire
  • Chemical spill
  • Active shooter
  • Extreme weather event
  • Bomb threat
  • Stampede
  • Disease outbreak

The action you take will depend on what emergency you’re facing, so being prepared for as many incidents as possible is advised.

Emergency Plan

Given the size of some concerts, simply having an emergency evacuation plan won’t suffice. Having a concert risk management plan is one way to mitigate potential dangers. You can take a look at for more information about how to start the process.

Risk Assessment

All effective emergency plans need to start with a risk assessment. In order to complete an assessment, you will need the following information:

  • Facility Size
  • Number of attendees
  • Attendee demographics
  • Inventory of all entrances and exits

With this information, you should be able to start creating an effective risk management plan.

Rental Payment

With some exceptions, residential real estate is usually a smart and profitable investment opportunity. Those who can purchase more than one residential property are typically at a distinct economic advantage. They can collect rental income that may cover their entire mortgage payment, all while building equity. There are, however, a few potential disadvantages.

Rental Payment Default

There are a variety of reasons why tenants can default on their rental payment, some of which include:

  • Abandonment
  • Serious illness
  • Eviction
  • Deployment
  • Death

Fortunately, renters insurance for landlords may cover the loss for these kinds of circumstances. More information about this kind of coverage can be found at

Property Damage

Property damage is always a large concern for homeowners. Tenants don’t always take great care of their rentals and can cause a lot of damage. Not reporting water leaks can lead to very expensive repairs. Some people add property guidelines to leases to ensure that basic maintenance is upheld and that they’re informed when there are substantial problems.

Legal Matters

Landlords always run the risk of having to pursue legal action if problems arise with their tenants. Some potential legal matters can include tenants who refuse to leave the property, tenants who conduct illegal business inside the home or tenants who refuse to pay utility bills.

regan agency

While many people believe a library should be used for study purposes, the truth is that a library can foster learning, creativity, and growth in students of all ages. That’s why your library should continually update its programs with new after school library program ideas to keep children engaged.

Creative Program Ideas

Keeping your library programs fresh and interesting is key to providing a nurturing environment for students after school. The information found at explains how these library programs can be beneficial for students and provide examples of programs. Here are a few more ideas to add to your list of potential programs:

1. Have themed book parties:

These could be princess themed, fantasy-themed or themed around a particular book series. Students can dress up and explore the books in an interactive way.
2. Start craft programs: Students can let their creativity run free with arts and crafts after school. This can be for all age groups.

3. Create an escape room:

If your library has an extra room, you can create an escape room. Students will have to solve puzzles or answer questions to find the key. If you don’t have an extra room, you could always use bookshelves as the walls.
Giving Students More Options
Library programs can help students grow, learn and make friends. Adding a few after school library program ideas to your list of activities

byrnes agency

As someone owning a snow plowing business, you likely use or might obtain insurance to cover any potential incidents and situations. However, a General Liability plan can only cover so much, leaving out specialized dangers. A comprehensive snow plowing insurance plan includes a variety of coverage options that consider the needs of your business. Continue reading to learn about some of the coverage areas you can expect in this insurance plan.

Workers’ Compensation 

Workers’ compensation is an important policy included by and other insurance providers. If an employee becomes ill or injured on the job, then insurance will cover medical costs, rehabilitation, and other expenses. At the same time, the company can collaborate to investigate the incident and develop preventative measures.

Commercial Auto Insurance

The vehicles are important in snow plowing, which is why they need coverage. Collision, vandalism and other physical damage to the work vehicle are included. Third-party injury and property damage are also part of the plan, protecting the company when others are affected by situations involving your drivers or vehicle.

Equipment Insurance

Your business’s equipment, from snow blowers to salt spreaders, is integral to the services you provide. Therefore, you will need to protect them against potential dangers, from theft to damage. This coverage includes repair and replacement costs of these items.

Snowplowing insurance can cover multiple situations and exposures attached to the business. Remember these coverage areas and more when building your business’s customized plan.


When it comes to handling investments, you want someone who is an expert who can anticipate market trends and protect your clients’ assets. Not everyone who enters this fast-paced work environment is prepared to manage the many responsibilities, which is why FGIB can help protect your institution. What are the characteristics of an investment banker that can be an asset to your company? These are just three skills you should look for.

  1. Social Skills: A good investment banker should have a positive outlook and exceptional interpersonal and networking finesse. Without the ability to build relationships, a banker may not be able to make those connections that lead to successful ventures.
  2. Discipline: A strong work ethic may be a good indicator that someone is cut out for the world of investment banking. This is a high-stress field with long hours and many demands. It certainly isn’t for everyone, so for people who prefer more direction and less multitasking, this may not be a good fit.
  3. Intelligence: An analytical mind and strong problem-solving abilities are just two characteristics of an investment banker that can make a difference. A solid background in mathematics, economics, and finance can also provide the expertise an investment banker should have to perform well.

These characteristics can make all the difference between an average and an exceptional investment banker. Keep them in mind when your financial institution conducts an employee search.


When it comes to long-term facilities, you need specific insurance coverage. With an intermediate care facility, you would need different coverages than a standard nursing home. Here is what you need to know about ICFs.

What Is an ICF?

An ICF offers a variety of different services to patients. The experts at HighlandRisk explain that facilities may hire physical therapists, social workers, dietitians, nurses and others to help residents with different tasks. These facilities may assist residents in the following tasks:

  • Housekeeping
  • Dressing
  • Bathing
  • Hygiene
  • Moving
  • Transportation

The ICF may also help make sure that the resident makes it to their appointments and can help remind them to take their medication.

What Separates an ICF From a Nursing Home?

An ICF focuses on rehabilitative care, assisted living or mentally disabled housing for adults who need monitoring or daily care. These facilities tend to have fewer costs than traditional nursing homes or other care facilities because the patients do not require 24-7 care. Due to these differences, intermediate care facilities may need different insurance coverage than a nursing home.

While ICFs may not be the same as nursing homes, it is still crucial that those who have an ICF have the appropriate insurance coverage and protections. Whenever you work in a business where someone’s care is in your hands, you need adequate coverage.

Personal Watercraft

Jet skis are common summertime toys for use on the water. Rental companies use personal watercraft rental insurance to keep losses at bay. Use these tips to winterize the jet skis so they can enjoy another summer of fun without added costs.

Water Removal

The first thing to do is to remove any excess water from the watercraft prior to storage. Follow the instructions on the owner’s manual to remove the water from the cooling system. Then clean the jet ski using mild soap and finish with a fresh coat of wax. Remove excess grime from the bilge area to prep it for the coming year.

Maintenance Tips

Now is a great time to check the fluids and perform some annual maintenance. Fill the gas tank with a stabilizer all the way up to keep the tank clean. Use a fogging oil on the spark plug cylinders and carburetor. To keep the battery charged, remove it from the watercraft starting with the negative connection.

Safe Storage

For best results, avoid storing the watercraft in the water. Good options include placing on a trailer or parking in a storage facility. As seen on, it is a good idea to maintain watercraft insurance coverage throughout the year.

These winterizing tips can help your watercraft rentals be ready for the start of the next year’s season. Personal watercraft rental insurance is there should something go wrong.

Hilb Group

As a manufacturer, it’s vital that you carry adequate insurance coverage to protect your investment. As you contact various agents and build out your coverage, here are three simple liability coverages that you should plan to include in your policy.

General Liability Insurance

General liability protects you against third party lawsuits arising from everyday business activities. This can range from a potential client injuring themselves during a tour of your facility to a visitor’s car getting damaged in your parking lot. With the right coverage, you’ll be able to cover any legal fees and liabilities arising from such cases.

Pollution Liability Insurance

Whether it’s standalone or bundled with general liability, pollution liability protects you in the event that pollution from your business causes injury or property damage to a third party. According to the experts at Hilb Group, not only does it make funds available to cover your legal costs, but you can also use it to purchase equipment that will help prevent or limit pollution.

Professional Liability Insurance

Professional liability protects you from lawsuits where a third party claims that you committed an error that caused them to experience losses. An example of this could be if a client sues you because a part you manufactured for them didn’t meet the standard set forth in your contract. Once again, your policy would cover any legal fees and damages you owe.

These three coverages can serve as the foundation for any manufacturing insurance policy. Work with your agent to build out a policy that’s perfect for you.


For businesses that work with independent contractors, the subject of insurance and liability can be complex. For instance, if you own a construction company, odds are you have independent contractors. You may be wondering, can an independent contractor drive a company vehicle? While some contractors have their own vehicles, you may need them to drive the company vehicle from time to time. Here is what you need to know.

Are Contractors Insured?

It is best to have independent contractors carry their own insurance, according to the experts at Daniels Insurance. This is because independent contractors are generally not covered under your business auto insurance. It might seem easier to let your contractor’s drive the vehicles for the company, you do need to take extra care. If something happens or if they are in an accident, they may not have the coverage necessary. If you want your contractors to drive the company vehicles, you need to require that they carry insurance.

You can allow an independent contractor to drive your company vehicle. This will not be the same as an employee driving the business vehicle, however. You have to require that the contractor has his or her own insurance before you allow them to get behind the wheel. Often, your insurance will not cover independent contractors.

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