Category: 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.  

Posted on December 29, 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

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

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

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

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 ope

Posted on January 25, 2016 By Eli Gillespie

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Gillespie Insurance Services helps people and businesses in California, Arizona and Nevada.