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How Long Do You Have to Be Tobacco-Free Before You Qualify for Non-Tobacco Rates?

agriculture, Business Insurance, Claims, Construction, General Insurance, Roofing, Workers' Compensation, Workplace Safety /

If you’ve quit smoking, congratulations — that’s one of the hardest and most valuable things a person can do for their health. Naturally, the next question is when your insurance company is going to recognize it. The honest answer is that there isn’t one universal waiting period. It depends on what kind of coverage you’re […]

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Beyond the Hammer and Nails: Protecting your Roofing Expertise in Tennessee

Business Insights, Business Insurance, Construction, errors and omissions insurance, General Insurance, Roofing, Workers' Compensation, Workplace Safety /

Contractors’ Professional Liability Insurance You’re a master of your craft. From new installations in Nashville to complex repairs in Knoxville, your team ensures homes and businesses across Tennessee stay dry and secure. You’ve got General Liability insurance to cover accidental property damage or injuries during the job – that’s standard. But what about the financial

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What is Erie YourTurn?

Auto Insurance, Business Insights, Business Insurance, Claims, General Insurance, Home & Family, Personal & Family Insurance, Roofing /

A Simple Way to Earn Gift Cards with Your Car Insurance Let’s be honest, nobody enjoys paying for car insurance. It’s just one of those things you have to do. But what if you could get a little something back from your insurance company, with no strings attached? Erie Insurance has a program called YourTurn

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Understanding Contractors’ Pollution Liability

Business Insights, Business Insurance, Construction, errors and omissions insurance, General Insurance, Roofing, Workers' Compensation, Workplace Safety /

For Tennessee roofing contractors like you, this isn’t just about massive industrial accidents; it’s about common, everyday materials and situations on your job sites that can lead to costly pollution claims. Don’t Let Pollution Risks Tear a Hole in Your Roofing Profits You’re focused on delivering a quality roof, on time and on budget. You

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OSHA FAQs: Approved State Plans

Business Insurance, Certificate of Insurance, Construction, Manufacturing, Roofing, Workers' Compensation, Workplace Safety /

The Occupational Safety and Health Act (OSH Act) covers most private sector employers and their workers, in addition to some state and local government employers and their workers in the 50 states and certain territories and jurisdictions under federal authority. Those jurisdictions include the District of Columbia, Puerto Rico, the Virgin Islands, American Samoa, Guam, Northern Mariana Islands,

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What is a CLUE Report?

Business Insights, Business Insurance, Certificate of Insurance, Claims, Construction, General Insurance, Health Insurance, Roofing, Workers' Compensation, Workplace Safety /

A CLUE Report Guide Key Highlights A CLUE report provides a detailed history of insurance claims made on a property over the past five to seven years. Insurance companies use CLUE reports to determine coverage, premiums, and the likelihood of future claims. Homeowners and buyers can request a CLUE report to ensure its accuracy and

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Mastering Medical Payments Under Commercial Auto Policy

Business Insights, Business Insurance, Certificate of Insurance, Claims, Construction, General Insurance, Health Insurance, Roofing, Workers' Compensation, Workplace Safety /

Simplifying Medical Payments Under Commercial Auto Policy For businesses that rely on vehicles, commercial auto insurance is a must-have. It covers liability, property damage, and vehicle harm. However, there’s one crucial element often overlooked: medical payment coverage. This hidden gem steps in during an accident to cover medical costs and even funeral services, protecting your

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Understanding MedPay for Roofers

Business Insights, Business Insurance, Certificate of Insurance, Claims, Construction, General Insurance, Health Insurance, Roofing, Workers' Compensation, Workplace Safety /

Medical Payments Insurance Coverage for Roofers For roofers, mastering MedPay insurance is a game-changer. Imagine working high above the ground, knowing that any unforeseen medical bills are covered, letting you focus solely on your craft. MedPay isn’t just another insurance policy—it’s a shield that guards against financial shocks from sudden health expenses. Using my 27

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Understanding Bodily Injury Coverage in Roofers Insurance

Understanding Bodily Injury Coverage in Roofers Insurance

Business Insurance, Claims, Construction, Construction, General Insurance, Home Insurance, Life Insurance, Roofing /

Being a roofing contractor is rewarding yet demanding. Roofers face risks, so having a roofer’s insurance is crucial. This insurance covers various liabilities and risks, making it essential for any roofing company. Understanding bodily injury coverage in roofer’s insurance is essential. This blog will delve into its importance, types of coverage, choosing the right one,

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Roofing Insurance: Cost and Types Contractors Need

Business Insurance, Claims, Construction, Construction, Home Insurance, Roofing /

Whether it’s workplace accidents or equipment damage, roofing contractors are exposed to a multitude of risks daily, which creates a large need for roofing contractor insurance. Whether you’re a small roofing business or a large-scale contractor, your insurance should be meticulously tailored to you to serve as a protective shield, not only for your roofing

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Cyber Risk Coverage 101: Everything You Need To Know

Business Insurance, Construction, Cyber Risks & Liabilities, Cybersecurity, Roofing /

The rise in cyber threats and attacks has massively impacted various entities – from private companies to specialist firms to government agencies – resulting in financial loss and reputational damage. TechTarget published 10 of the biggest ransomware attacks on organizations in the United States throughout 2023, including the ransomware attack on the U.S. Marshals Service,

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Cyber Security Enhacement

Enhance Security with Cyber and Privacy Insurance Solutions

Business Insurance, Construction, Cyber Risks & Liabilities, Cybersecurity, Roofing /

A small online retail company has an online store, and customer databases, and processes numerous transactions every day. Despite basic security measures, the company fell victim to a sophisticated cyberattack carried out by a group of hackers. They gained access and stole sensitive information, including credit card details and personal data of thousands of customers.

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Cyber Sniffing

Cyber Theft Insurance: What You Need to Know

Business Insurance, Construction, Cyber Risks & Liabilities, Cybersecurity, General Insurance, Home & Family, Home Insurance, Manufacturing, Personal & Family Insurance, Roofing /

Through IdentityTheft.gov, the Federal Trade Commission has received 1.1 million reports of identity theft. In addition, 2.4 million fraud reports were received, with the most frequently reported category being “Fraud by Scammers”, closely followed by “Online Shopping Fraud”. A report published by Statista shows that between 2001 and 2022, there was a significant increase in

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Veritas Certificate of Insurance Box Not Checked

Additional Insured Box NOT Checked?

Business Insurance, Certificate of Insurance, Construction, Roofing /

If you asked your subcontractor to name you as additional insured, you were probably expecting that the Certificate of Insurance you would receive would have the additional insured box checked.  To your surprise, the Certificate of Insurance came back and the box “ADDL INSD” is not checked. What should you do? What is Additional Insured?

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