Mini Storage company wants proof of insurance. Do they have insurance from their Homeowner's policy? Key question: Are we talking property or liability? If the question is about your property, because they want to sell you insurance for your property, the answer is that most HO policies …
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Independent Contractor vs. Employee
This is a document State Fund has sent to all of its brokers; it helps clarify for Workers' Comp purposes, the difference between employees and independent contractors, and what is needed to prove the status of independent contractor at an annual audit. Click on the image below, to read the …
Risk Management for Building Owners with Vacant Buildings
The most common property form in use for commercial buildings is the ISO form, CP 00 10 04 02. The language of the form states explicitly: "Buildings under construction or renovation are not considered vacant." Some brokers will advise their building owners that because they have …
