Contractors – Protect Yourself and Your Customers

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!

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!

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.…

Make Hay When the Sun Shines!

Custom Farming – Our markets write farm machinery operations by contractor, also known as, custom farming.  Spring and Summer field work is in full swing.  We write farmers and related businesses while they are doing commercial work for other farmers.  There are many types of operations that qualify.  Some include planting, cultivating, fertilizing, baling, harvesting,…

Builders Risk Stacks Up Against Potential Claims

Construction is Booming – and so is the need for Builders Risk Coverage.  If your insured is an owner or contractor, they may face many possibilities of loss to their building during the course of construction:  Consider the following claim scenarios: Collapse: A house was being constructed in the middle of a pasture with the…

Hemp & CBD Products Coverage

Hemp can be used to make many products including food and beverages, but also non-ingested items like clothing, building materials, insulation, rope, paper, etc.  When I think of hemp, the first thing that comes to mind is marijuana.  But there is a difference between them.  Hemp contains less than 0.3% THC, where marijuana contains more. …