Does your policy cover goods or products/materials on their way to the jobsite? Or, on the jobsite once delivered? I get this question quite frequently as most contractors have product delivered to the jobsite directly from their supplier. Most of the time, the materials are not installed in one day. This could pose a problem […]
Running a business is tough stuff if you are like most of the small businesses that I insure. My clients who have performed the following below have found: Reductions in their EMOD (experience modifier for workers compensation), less errors in the audit process resulting in time and money savings, cleaner loss ratios with the carrier leading […]
Poor Commercial Auto performance means increased rates in Arizona! A trend that I am seeing throughout the marketplace in Arizona is the deteriorating commercial auto insurance sector (personal auto too). When I sit down with the marketing representatives for the insurance companies I represent, I keep on hearing the same song: “Commercial auto rates will continue […]
We will discuss audits for General Liability (not Workers Compensation) and how to mitigate large additional premiums from the carrier. Did you get a letter or invoice from your insurance carrier that stated you owed them additional premium due to the calculation of a Final Audit? You paid your policy every month and did not […]
Arizona Workers Compensation – The Dichotomy: Subcontractor or Employee? I get many questions with regards to a specific workers compensation question: “Why do we have to cover a 1099 contractor?” So I decided to bring some clarity to the issue. Please keep in mind, there are exceptions to every rule. This is a general response to this question. If […]
