Over the years, as I’ve been doing this work, I have seen plenty of times when a contractor decides to self-insure. If an issue arises, usually around $5,000 or less, they’ll try to pay it out and handle it themselves.…

I often get this question with the additional insureds certificates and what they mean and what they are. The biggest one I want to discuss is the Waiver of Subrogation, primarily with workers’ comp. A Waiver of Subrogation means the…

Worker’s comp analysis is where we take your loss runs, take your worksheets from the state, and put them together to ensure that the experience modification is accurate. There have been many times when claims are going on with your…

Claims management is a process in which we look at a contractor’s company that is probably at a certain size and will receive claims. We know that at a certain level, you want to reach first-in-class insurance and have first-in-class…

Understand Hold Harmless Agreement First, your insurance company needs a contract stating that you have requirements for insurance that subs have to hold when working for you. One would be ensuring they have a Hold Harmless Agreement inside their agreement…