Selective Subcontractor Agreements: Streamlining Projects While Mitigating Risk The construction industry relies heavily on collaboration between general contractors and subcontractors. While standard subcontract agreements lay the groundwork for these collaborations, some general contractors might utilize “selective subcontractor agreements” for more…
If you hire a subcontractor where the owner is excluded from their policy, not only can their payroll be picked up and included in your policy audit they also can be entitled to claim benefits under your policy. Always verify…
Here are the common reasons why your insurance company might request a physical damage inspection on your car, even without a claim: What to Do: Scratches, Dents, and Dings: A Guide to Physical Damage Inspections Our cars are valuable possessions,…
Utica First Business Risk Protection empowers your small business to secure key contracts with confidence. Skip the hassle of navigating complex legal documents and ensure compliance with construction agreements, job proposals, and subcontractor agreements. Get the right contracts in place…
Spectral Coverage: Understanding Ghost Workers’ Compensation Policies Workers’ compensation insurance protects employees in the event of a work-related injury or illness. But what about business owners who are the only ones working for themselves? This is where the concept of…
Remember that beautiful granite countertop job you did for the Johnson family last month? Imagine this: you’re unloading the slabs from your truck, and oops! One slips and cracks – a total nightmare. Without Installation Floater Coverage, you’d be on…
Demystifying the Numbers: A Guide to Finding Your Tax ID Tax season can be a whirlwind of forms, deadlines, and, of course, identification numbers. Whether you’re an individual or a business owner, knowing where to find your tax ID is…
Don’t Get Blindsided: Understanding Loss Runs for Smoother Business Insurance Running a business involves managing risks, and having the right insurance is crucial. But how do you know if your current coverage is adequate? That’s where loss runs come in.…
Workplace Injury? A Guide to Navigating Workers’ Compensation Claims Effectively A workplace injury can be a disorienting experience, leaving you with physical pain, emotional stress, and uncertainty about your next steps. But fear not! Workers’ compensation exists to provide financial…
Filling Out the Quarterly Disability Worksheet: A Step-by-Step Guide Managing a disability can be stressful, and keeping up with paperwork can add to the burden. If you receive Social Security disability benefits, you might be required to complete a Quarterly…