Contractors Insurance No Comments

Do You Have the Proper Permit?

Construction work often affects more than the person who is going to use the structure. Counties and state governments want to know that anyone performing the work will be qualified, prepared and aware of the current standards before they hammer so much as one nail.

Different types of jobs will require different permits, and not every job will actually need a permit. To help you stay organized and keep tabs on all the different requirements, here are the general situations in which you will need a permit: Read more

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Working Safely Around Electrical Hazards

Electricity can be one of the most dangerous forces lingering around construction sites, renovation projects and even workshops. OSHA estimates that an average of 300-350 people die every year from on-the-job electrical incidents.

Since electricity is such a major part of our modern lives, hidden hazards can lurk anywhere. People involved with job sites must take precautions and always be aware of potential dangers. Here are some ways they can reduce their likelihood of injury: Read more

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The Benefits of Roofers Insurance

Roofing is one of the more methodical jobs in the contracting world, but it is also one of the most dangerous. A study of fatal construction falls from 1992 to 2009 found that a third of all the incidents happened while atop a roof. Time magazine even revealed that roofing is the fourth most dangerous job in the country, with 40.5 deaths per 100,000 workers.

Aside from occupational hazards, roofing is a job with little room for error. Every procedure must be done consistently so that the home or building will be properly protected from the elements. Even a single misplaced screw can cause a leak that leads to water intrusion and full-blown structural damage.

For reasons like these, having insurance while operating on the job is a necessity. Read more

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The Importance of HVAC Contractors Insurance

Installing and servicing HVAC systems is a highly technical and specialized trade that can incur a great of risk. Contractors must coordinate several different systems together in a way that seamlessly provides homeowners comfort at the push of a button.

The technical nature of the trade can make knowledgeable business owners a good deal of profit, especially as their reputation for quality service expands. At the same time, though, their risk increases. HVAC equipment is pretty expensive, and it ties into many other systems within the house. There are many ways an installation can go wrong, and even a minor service checkup could result in allegations of damage to a homeowner’s valuable property.

Here are some of the ways HVAC contractors insurance can protect you against this type of risk and liability: Read more

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Dangers in Your Toolbox

Even with all of the technology at our fingertips today, a good old-fashioned hammer, screwdriver and ratchet are often the contractor’s best friend. Unfortunately, many accidents every year happen with hand tools right out of the toolbox, and basic safety with these instruments is overlooked. It is every bit as important to practice caution with hand tools as it is heavy machinery and equipment. Read more