Articles

  • Policy Insurance Limits

    If you examine the insurance policy covering your business, you’ll see an insurance limit. For instance:

    Acme General Manufacturing

    Coverage

    Insurance Limit

    Coverall Protection

    $1,000,000

  • Artisan Contractors

    Artisan Contractors are smaller operations that work in a variety of settings. They may be involved on large construction projects under the direction of general contractors, operate in smaller residential projects, specialize in installations or work on renovation or remodeling projects.

  • Alternative Risk Techniques

    Businesses are vulnerable to having their existence threatened by a multitude of problems. In many instances, a company buys insurance to handle different aspects of their operations such as General Liability, Business Auto, Workers Compensation, Commercial Property, Professional Liability, Commercial Umbrella and other coverages. However, insurance is not always the most appropriate method for managing a particular source of loss. Insurance is just one form of risk management and companies increasingly use alternatives.

  • Insured Contracts and Commercial Umbrellas

    A liability policy has to restrict its coverage to handling the type of losses for which it was created and a commercial liability umbrella (CLU) is no exception. It contains an important provision that excludes losses involving contractual liability. In other words, an umbrella ignores losses created by an agreement an insured makes with other parties. Without this exclusion a CLU’s coverage would be expanded far beyond what an insurer intended.

  • Exterior Insulation and Finish Systems

    Exterior Insulation and Finish Systems (EIFS) refers to any material that is used and applied as a protective (insular) exterior coating to any building or structure. Items that qualify as EIFS include the insulating/protective material as well as the adhesives, coatings, fasteners, finishing materials (such as sealants) that are accessories or components of the foundation insulating materials.

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