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

What Is A Primary And Non-Contributory Wording Endorsement?

Have you – a business owner – ever had to get a Primary and Non-Contributory Wording endorsement on your general liability policy?  Have you –

Posted on March 14, 2016 By Eli Gillespie

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 eve

Posted on March 07, 2016 By Eli Gillespie

What Is An Additional Insured Endorsement?

What is an Additional Insured Endorsement?  And why do I need it on my business insurance policy?  These are very common questions.  So common in f

Posted on February 29, 2016 By Eli Gillespie

Inheriting A California Experience Modification

If Experience Modifications (Xmods) aren't difficult enough to understand, it is perhaps even more difficult to understand what happens when you buy

Posted on February 22, 2016 By Eli Gillespie

Common Majority Ownership – How It Can Affect Your Workers Comp

Sometimes a man owns more than one business.  If the business is a sole proprietorship, he is 100% owner of all of those businesses.  If the busine

Posted on February 15, 2016 By Eli Gillespie

Why Is It Hard To Insure A Business With Multiple Operations?

Milk and cookies go so well together.  Santa eats them.  Kids eat them.  We all eat them.  It's the cool creaminess of the milk seeped into the cr

Posted on February 08, 2016 By Eli Gillespie

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