Category Archives: Contractors

Deductible – Per Occurrence or Per Claim?

One of the most well known insurance concepts is the deductible.  They’re easy to understand.  Insurance pays above and beyond the deductible.  Anything that would be otherwise insured that falls below the deductible is our responsibility to pay.  The deductible is the most common way to (attempt to) save money on an insurance policy.  Policy seems too expensive?  Raise the deductible!  Yes, deductibles seem pretty easy to understand, but did you know that there are a couple types of deductibles, and one of them can be devastating in the event of a claim, and a total surprise?  I’ll explain….

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The Nasty Contractors General Liability Endorsements

I’ve written about the Prior Works Exclusion and how it can be a black hole of non-coverage for a contractor. Yes, it’s pretty bad.  What I want to write about today is a few more of the nasty endorsements that can eliminate coverage from your Commercial General Liability policy.  These endorsements typically – if not exclusively – apply to contractors’ policies.

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Do I Need A Primary & Non-Contributory Wording Endorsement?

Recently I wrote this blog about the Primary & Non-Contributory Wording Endorsement.  It was a nice article, and all true.  What I want to tell you today is that the Primary & Non-Contributory Wording endorsement is worthless.   It doesn’t mean you won’t  ever have to have one, but rest assured, it is worthless.

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What Is Non-Admitted Insurance?

If you’ve ever purchased a policy through a Non-Admitted insurance company, you might remember having to sign that two page form written in ALL CAPS.  Of all the insurance forms it’s easily the scariest. Why?  Because of the font, of course.

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What Is a Waiver of Subrogation Endorsement?

Waiver of Subrogation Endorsements are confusing.  According to the spell check application editing this content, the word “subrogation” doesn’t even exist.  If you have ever come across one when dealing with your commercial insurance, you know it most certainly does exist, although you may not know what it is.   Is it possible to unlock this mystery?

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Protect Your California Farm & Contractors Equipment with an Owner Applied Number

You’re a farmer and you store your stuff (tractors, machinery, equipment, supplies, etc.) in your barn.  Because your stuff is so vital to your operations, you’ve taken many steps to protect it.  You lock your barn every night.  You also have it alarmed.  And in case something does happen, you have it insured.  But one night at 3am….

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