Is your business prepared for a major catastrophe?

Are your subcontractors carrying the right insurance?

1. Insurance is complicated but an important aspect of risk management
   1. It protects our business
   2. It protects our employees and customers
   3. So does our subcontractor’s insurance protect us?
2. Are your subcontractors properly covered?
   1. Many of us collect insurance certificates but do we review them
   2. Do we know what our subcontractors provide
   3. Do we know what they should provide
3. Get the correct coverage and info from your subs
   1. Don’t just collect certificates for file filler
   2. Review and require the right coverages
      1. Talk with your carrier
      2. Review your contracts
   3. Start collecting, reviewing and tracking your sub insurance

Insurance is supposed to be there when you need it. Are you covered?

1. Insurance is important and covers us when things go wrong
   1. We covered W/C, today is about other insurances
      1. General Liability / Errors & Ommissions / Property / Etc.
   2. Covers us in catastrophic events
   3. It keeps us in business
2. Making sure we are covered properly is important
   1. We rely on our agents to do this
   2. Are you covered if?
   3. Are you paying a fair price?
3. How can we as contractors possibly know all about insurance
   1. We can’t know it all so we rely on agents
   2. Our job is to ask questions
   3. Make sure our agents understand our business
   4. Make sure our agents are doing their job and getting us quotes

Do you have the proper insurance coverage for your operations?

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