Category Archive: Artisans & General Contractors

Oct 16


Oil & Gas – A Wellspring of Opportunity for Independent Agents and Brokers Oil and gas is currently the fastest growing industry in the US, but the market remains remarkably untapped in terms of potential for independent agents. Please view the article to learn more. If you can write contractors, you can do energy business …

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Jul 03

New Federal OSHA Chemical Labeling Rules


The rules and regulations are always changing, and that especially goes for contractors. The new Federal OSHA chemical labeling rules will impact every carpet cleaner, janitorial company, and fire/water restoration and reconstruction company in America. Micheal Wilson covers how these new rules will affect you and your business. Read this very important article to know …

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Aug 27

Avoiding The Dreaded “HAMMER CLAUSE”

I have recently seen contractor pollution policies and contractor professional liability policies that contain the dreaded “hammer clause,” which compels an insured to comply with an insurer’s decision to settle a case rather than fight it out in court. Some insurance carriers also call this the “cooperation clause,” as it forces insureds to settle a …

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May 06

Sampling of Environmental Losses in Buildings

Long Island apartment tenants forced out – mold remediation expected to cost millions for Archstone-Smith A resident of a water-damaged apartment complex filed a lawsuit Wednesday against the property owner, saying that the Archstone Westbury’s “water intrusion problems” and reported mold and mildew made her sick and damaged her property, according to court documents. Andrea …

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Apr 29

Why Contractors Need Environmental Insurance


No matter how careful you are, you can never eliminate all exposure to hazardous materials or waste on construction jobsites. Improving quality control, material handling procedures, conducting site surveys, and updating work policies can help prevent accidents and exposure and improve work site health and safety, but these steps alone may not be enough to …

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Jan 07


As a licensed general contractor and surplus lines insurance broker myself, many ordinary insurance brokers and their general contractors we have routinely insure have asked us for guidance with their own risk management.  These clients all know I am a General Contractor myself and have asked me how I managed risks with my own construction company over …

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Nov 01

Understanding the Dreaded “Hammer Clause” and its impact on Restoration Contractors and Additional Insureds


I have recently seen contractor pollution policies and contractor professional liability policies that contain the dreaded “hammer clause”.   Some insurance carriers also call this the “cooperation clause”  as it forces insureds to make difficult choices they normally would not agree to in the event of a loss.  This is something not yet seen in the …

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Jul 11

Why Restoration Contractors Need Professional Liability


I am continuously asked why restoration contractors should carry professional liability insurance. Professional liability should be carried by those who prepare reports or provide opinions that others rely on. “Professional Liability coverage can be offered along with CPL to many non-environmental contractors (general contractors, restoration contractors, construction managers, or specialty contractors) performing project management, plan …

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Apr 25

Why Your Insurance Agency Should Offer Contractor Pollution Liability On Construction Risks

Visit or call us at (888) 473-8985 There are two things that motivate insurance agencies, additional revenue streams from cross selling opportunities and protecting the agency from errors and omissions claims. Contractors are around potential pollution hazards on a daily basis and virtually every single general liability policy issued today in the United States …

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Apr 23

Wondering If The EPA Is Going To Fine Contractors For Violations?

So the question has been bandied about whether or not the EPA would actually crack down on contractors and fine them for violations. Well we now have an answer! is reporting that Two remodelers and a rental property owner have been fined by the EPA for violations of the Lead Renovation, Repair and the Painting …

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