If you are a contractor and you are curious about what types of insurance policies you need to run your business, this blog's for you. Whether requ
There are few endorsements on a Contractor's General Liability more confusing policy than a Prior Works Exclusion. It is an exclusion of coverage, t
Much has been written about the infamous AB 5 of CA. This is the law that clarifies whether a worker is an independent contractor or an employee, s
One of the most well known insurance concepts is the deductible.  They’re easy to understand.  Insurance pays above and beyond the deductible. Â
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. Â What I want to w
Recently I wrote this blog about the Primary &Â Non-Contributory Wording Endorsement. Â It was a nice article, and all true. Â What I want to tell
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.
Contractors, let this be a warning: don't get a Prior Works Exclusion on your General Liability policy. Â Why? Â Because it reduces your coverage to a
Most businesses have people that help move their enterprise forward.  They're called employees.  Many businesses have a few other people that are k
Have you – a business owner – ever had to get a Primary and Non-Contributory Wording endorsement on your general liability policy? Have you –
Gillespie Insurance Services helps people and businesses in California, Arizona and Nevada.