Insurance Certificate: Primary and Non-contributory Wording

Construction contracts often require a subcontractor’s general liability insurance policy to name the owner or general contractor as an additional insured on a “primary and noncontributory” basis. This seemingly simple requirement can cause a lot of difficulty and may hamper the sub’s ability to start the project. The International Risk Management Institute (IRMI) recommends that […]

December 20, 2019

What is Electronic Data Protection Insurance?

What Does Electronic Data Loss Insurance Cover? 1. Lost or damaged electronic data EDP coverage as it is commonly known provides insurance to replace or restore your electronic data that is lost as a result of a covered claim.  For example, if a fire to your building destroys your computers, then your standard property policy […]

September 12, 2019

Insuring Property Stored at Other Premises

Did you know that property stored somewhere other than at your office premises may not be covered by your property insurance policy? Be sure to keep your insurance broker advised if you move property. There are other situations which should also trigger a call to insurance provider: Warehousing Demo equipment at a client’s site (and […]

June 12, 2019

Workers Compensation and Fall Protection

One of the most frequent workers compensation claims associated with contractors is falls.   Employees falling off of ladders, scaffolding, or even roofs is a serious issue and a single claim can dramatically affect your insurance premiums. Every company should have a Fall Protection Plan that addresses the use of conventional fall protection at a number […]

May 25, 2019

5 Common General Liability Exclusions for Contractors

In most instances, the following claims are excluded on the general liability policy for contractors: Damage to your property. Employee injuries. Employment disputes. Damage to your vehicles. Professional mistakes. 1. Damage to Your Property Your employees are working late to finish a project, and a storm begins to brew outside. As they try and hurry […]

May 10, 2019

Is there insurance coverage available for tools?

Commercial Property Insurance is one of the building blocks of your business protection plan, especially if you work in an industry that has specialty equipment, product inventory, or valuable items (such as computers, electronics, and media devices). And if you own your commercial premises, you have even more incentive to protect your investment with adequate coverage. […]

April 10, 2019

Savings Tips for Property Insurance

Commercial Property Insurance is one of the building blocks of your business protection plan, especially if you work in an industry that has specialty equipment, product inventory, or valuable items (such as computers, electronics, and media devices). And if you own your commercial premises, you have even more incentive to protect your investment with adequate coverage. […]

March 26, 2019

How to protect your company from employee litigation.

Employee Litigation As employee-related litigation continues to rise, we thought it would be a good idea to show your contracting company where the litigation is coming from and what you can do to prevent it. In this post, we want to break down employee-related lawsuit statistics and show you just how big of a problem […]

March 11, 2019

Insuring a Home-based Business

Did you know that, according to the Small Business Administration, more than half of all businesses in the United States are based out of the owners’ home? Many of these entrepreneurs assume their homeowners insurance will step in if they ever experience a property loss to their business equipment or a liability claim. Unfortunately, that […]

May 10, 2018

BTC Insurance can provide you with an insurance quote for your business or personal insurance needs.

Interested in learning how BTC Insurance can help you? Fill out the form to learn more

    Please subscribe me to the BTC newsletter