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Search: Posts Made By: TarahGruber
Forum: Business 01-13-2012, 11:18 AM
Replies: 14
Views: 2,473
Posted By TarahGruber
Yours probably isn't expensive because you're in...

Yours probably isn't expensive because you're in Canada.
Forum: Business 01-13-2012, 11:17 AM
Replies: 14
Views: 2,473
Posted By TarahGruber
:thumbup: I love it. I'll get working on that...

:thumbup: I love it. I'll get working on that right after I invent a tree that grows dollar bills.
Forum: Business 01-12-2012, 08:53 PM
Replies: 14
Views: 2,473
Posted By TarahGruber
Insurance Question

Contractors, I need to know: What is the thing you hate most about your insurance? That is, what do you hate aside from the fact that it's expensive as :censored:. What would you change?

I...
Forum: Business 01-04-2012, 04:07 PM
Replies: 49
Views: 11,063
Posted By TarahGruber
If you join the AGC they have construction...

If you join the AGC they have construction contracts that you can use included in the membership.
http://www.agc.org/
Forum: Business 01-04-2012, 03:56 PM
Replies: 9
Views: 4,196
Posted By TarahGruber
There are a lot of general liability insurance...

There are a lot of general liability insurance programs that base premiums on either number of employees or gross receipts. Not all insurance carriers use payroll as a rating basis.
Forum: General Discussion 01-04-2012, 02:30 PM
Replies: 378
Views: 188,495
Posted By TarahGruber
Nice post! Good to know what's actually made in...

Nice post! Good to know what's actually made in the USA.
Forum: General Discussion 01-04-2012, 02:26 PM
Replies: 10
Views: 1,482
Posted By TarahGruber
Are there any kmarts left?

Are there any kmarts left?
Forum: Business 01-04-2012, 02:10 PM
Replies: 6
Views: 2,163
Posted By TarahGruber
The soft and hard market is a continuing trend in...

The soft and hard market is a continuing trend in the insurance industry. It been going on for over 60 years. The market will get hard again eventually. I agree though. I wouldn't buy a policy...
Forum: General Discussion 01-04-2012, 02:05 PM
Replies: 62
Views: 9,624
Posted By TarahGruber
Turn in that claim to your insurance company. ...

Turn in that claim to your insurance company. They will cover not only the 118K (if you are actually held responsible to pay it) but they will also cover your legal defense. Trust me, most...
Forum: Lead RRP Discussion 01-04-2012, 01:53 PM
Replies: 645
Views: 78,909
Posted By TarahGruber
Yes, I would recommend having E&O if you are...

Yes, I would recommend having E&O if you are testing. It's hard for me to speculate what kind of problems you would have with your GL without knowing more about your company. I guess it's possible...
Forum: General Discussion 01-04-2012, 01:46 PM
Replies: 25
Views: 13,299
Posted By TarahGruber
I don't work in Illinois, but I happen to know...

I don't work in Illinois, but I happen to know that there are several companies out there that insure general contractors including PCIC, Pekin and Acuity.
Forum: Business 01-04-2012, 01:34 PM
Replies: 19
Views: 3,214
Posted By TarahGruber
That means you've got good credit Zinsco. ...

That means you've got good credit Zinsco. :thumbup:
Forum: Business 01-04-2012, 01:33 PM
Replies: 19
Views: 3,214
Posted By TarahGruber
There is a difference between Umbrella and...

There is a difference between Umbrella and Excess. Excess Liability policies will usually just provide excess coverage over your general liability policy. An umbrella provides excess coverage over...
Forum: Business 01-04-2012, 01:27 PM
Replies: 7
Views: 1,935
Posted By TarahGruber
It really depends on your policy. In most...

It really depends on your policy. In most states, you can buy commercial auto policies that will include personal use. Most likely you would be covered. But you shouldn't just assume that it's...
Forum: Business 01-04-2012, 01:22 PM
Replies: 6
Views: 2,163
Posted By TarahGruber
It is true that insurance rates have gone down...

It is true that insurance rates have gone down over the last couple of years due to the fact that the insurance industry is in a soft market. Insurance stays on a pretty steady cycle of soft market...
Forum: Contractor Licensing 01-04-2012, 01:08 PM
Replies: 7
Views: 2,308
Posted By TarahGruber
1. If you're using your vehicle for work, you...

1. If you're using your vehicle for work, you should probably convert from a personal auto policy to a commercial auto policy. There won't be much difference in premium. 2. No way dude. Stand...
Forum: Lead RRP Discussion 01-04-2012, 12:51 PM
Replies: 645
Views: 78,909
Posted By TarahGruber
Pollution Liability

The CGL (General Liability) typically excludes all pollution losses, with just a few exceptions. Furthermore, most contractors liability insurance programs add another Total Pollution Exclusion to...
Forum: Business 01-02-2012, 11:02 PM
Replies: 19
Views: 2,287
Posted By TarahGruber
moneyball, which type of insurance are you...

moneyball, which type of insurance are you talking about? If you're concerned about being covered for if you get hurt at work, you would need disability insurance. Yes, aflac will work for that. I...
Forum: Business 01-02-2012, 10:55 PM
Replies: 32
Views: 22,355
Posted By TarahGruber
There are a lot of equipment policies out there...

There are a lot of equipment policies out there that offer Replacement Cost instead of Actual Cash Value. If you're new in business or have had past claims, it can sometimes be hard to find a good...
Forum: Websites and SEO 01-02-2012, 10:47 PM
Replies: 214
Views: 18,398
Posted By TarahGruber
Thanks Todd! I love this site. :clap:

Thanks Todd! I love this site. :clap:
Forum: Websites and SEO 01-02-2012, 10:13 PM
Replies: 214
Views: 18,398
Posted By TarahGruber
:sad: You mean redhotinsurance.net? I made that...

:sad: You mean redhotinsurance.net? I made that one myself. I'm just learning. The joomla website that I'm talking about was for another company.
Forum: Roofing 01-02-2012, 09:32 PM
Replies: 46
Views: 9,420
Posted By TarahGruber
Subs

If you use the proper indemnification agreements with your subcontractors, you can save a lot of money on your insurance costs as well as reduce your exposure to liability.
Forum: Carpentry 01-02-2012, 09:01 PM
Replies: 19
Views: 2,851
Posted By TarahGruber
If they are willing to take $375, I would...

If they are willing to take $375, I would recommend paying them as soon as possible and having them sign off on a settlement. This could save you from it potentially turn into a larger claim.
Forum: Websites and SEO 01-02-2012, 08:51 PM
Replies: 214
Views: 18,398
Posted By TarahGruber
I just got a joomla site designed for under...

I just got a joomla site designed for under $1,000. There's a lot of hard up web designers that can be found on Craigslist right now. You get what you pay for though, make sure to compare a couple...
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