Roof Coverage Uncovered: Making Smart Choices Between ACV and Replacement Cost
Roof Coverage Uncovered: Making Smart Choices Between ACV and Replacement Cost Roofs, though often overlooked, play a pivotal role in home protection. Understanding the nuances of roof insurance coverage within your homeowners’ policy is vital for safeguarding against the unexpected. Homeowners insurance typically covers your roof, but the extent of coverage hinges on factors like […]
What Insurance Should Your Roofing Contractor Have?
What Insurance Should Your Roofing Contractor Have? When hiring a roofing contractor, it’s crucial to ensure they are not only skilled and reliable but also properly insured. The right insurance coverage protects both the homeowner and the contractor from various risks associated with roofing projects. Here’s what you should look for: 1. General Liability Insurance: […]
Your Essential Guide to Louisiana Car Insurance: Expert Solutions from Contractors Choice Agency
Louisiana’s scenic roads from Metairie to Monroe, and the vibrant streets of New Orleans to Natchitoches, are waiting for you. But before you set out, it’s imperative to understand Louisiana’s car insurance laws. As a Louisiana driver, among the 3.4 million licensed in the state, you need the right insurance to drive legally and stay […]
General Contractors and Workers Compensation Liability
General Contractors and Workers Compensation Liability Sound risk management practices necessitate that general contractors contractually mandate workers’ compensation coverage anytime a subcontractor is hired. Subcontractors cannot hide behind statute in contract situations; workers’ compensation coverage can be contractually required regardless of statutory provisions. Forty-four states* and the District of Columbia statutorily regulate workers’ compensation benefits […]
Loss Of An Eye Is Worth 100 Pieces of Eight (Spanish Coins)
Eighteenth-century pirates and a nineteenth-century German “Iron” Chancellor preceded the United States in the creation of a social system for the protection of injured workers. The modern workers’ compensation system owes parts of its existence to this unique parentage. Arrrrg, I’m Hurt! Pirates, contrary to popular myth, proved to be highly organized and entrepreneurial. Prior […]