Contractors – Protect Yourself and Your Customers

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Construction season is here! Make sure everyone working for you has proper GL coverage. Your employees are rated for payroll and covered by your insurance policy. But what about the subcontractors you hire – electricians, plumbers, excavators, etc.? They need to carry their own GL coverage. These Subcontractors are rated on your GL policy as…

Don’t Abandon Coverage on Empty Buildings!

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Vacant buildings present many different types of hazards.  People may feel if a building or home isn’t being used, or doesn’t have a mortgage, then insurance isn’t needed.  That is far from the case!  Pipes could freeze causing water damage, or vandals could break into the building causing damage or starting fires.  Liability coverage is…

Brrrr! Bring It In When Working Out!

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As daylight gets shorter and the cold sets in, many health and exercise businesses are just heating up!  We write a wide variety of sports, including those played only indoors.  Examples may be health studios, exercise and weight lifting gyms, martial arts, yoga, roller skating, and those played year-round such as basketball, Pickleball, volleyball, etc.…