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Why Is My Workers Comp So Expensive?

Why is my workers comp so expensive?  This is one of the most FAQ of all the FAQs.  The truth is, there are a lot of factors going into your workers

Posted on June 01, 2016 By Eli Gillespie

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 w

Posted on May 25, 2016 By Eli Gillespie

Can Owners & Officers Be Excluded On Workers Comp In California?

Note: if you want to read the updated version for 2017, click here. I frequently get asked the question about who can be excluded on a Workers Comp

Posted on May 18, 2016 By Eli Gillespie

Top Five Mistakes In Insuring A Winery

You're a winery owner and you need insurance.  How do you find the right policy?  What do you look for?  Or maybe you already have insurance.  How

Posted on May 10, 2016 By Eli Gillespie

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

Posted on May 03, 2016 By Eli Gillespie

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.

Posted on April 19, 2016 By Eli Gillespie

What Is A Prior Works Exclusion?

Contractors, let this be a warning: don't get a Prior Works Exclusion on your General Liability policy.  Why?  Because it reduces your coverage to a

Posted on April 12, 2016 By Eli Gillespie

You Can’t Just Change Your Class Code

I've been working with workers comp since 2004 and although it's the simplest of all the insurance coverages, it's ironically the one that seems to

Posted on April 05, 2016 By Eli Gillespie

Working With Independent Contractors And Subcontractors

Most businesses have people that help move their enterprise forward.  They're called employees.  Many businesses have a few other people that are k

Posted on March 28, 2016 By Eli Gillespie

Common Majority Ownership – Part 2 – A Little Clarification

Last month I wrote a blog about Common Majority Ownership (you can read it here) where I discussed how separate legal entities are tied together by t

Posted on March 22, 2016 By Eli Gillespie

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