Search CompleteMarkets

...ch authority do you have over an employee's personal device if it's also used ...his risk, you need to provide every employee who uses these devices with train...

...rs, directors, and every type of employee (full-time, part-time, temp, leased,...

...istory, corrective measures, and employee communications related to environmen...

...loss or theft quickly. (If you're leasing equipment, the leaseholder might req...

To be in business means to sign contracts - and every one of those contracts requires that you agree to provide some guarantee. A common question is "will my insurance back me up on those guarantees?" The answer can be complicated. For one thing, it's essential to determine if the contract is one of the types that your Liability coverage specifies as an "insured contract." Although other policy provisions can also apply (such as exclusions and limitations), if a particular contract isn't considered an "insured contract," look no further - your policy won't apply. Standard Commercial Liability policies usually define "insured contracts" to include: Leases. Sidetrack agreements (made with a railroad if you have tracks crossing your property). Easement or license agreements. Obligations required by ordinance to indemnify a municipality. Elevator maintenance agreements. Almost all Liability policies also include a broader provision that covers contracts under which your businesses assume the "tort liability" of another party for bodily injury or property damage. "Tort liability" is defined as liability that would exist in the absence of a contract or agreement. In other words, the liability you're assuming must arise from the negligence of the other party to the contract. If the injured person can sue this other party without reference to any contract or agreement ("tort liability"), then a contract under which your business agrees to assume this liability will be considered "insured." Although it's important, the definition of "insured contract" is only the starting point for determining if Liability coverage applies. Instead of assuming that your policy covers your contractual agreements, give one of our specialists a call. We can review the specific provisions of your current coverage as they might apply to your proposed contract and advise you about possible gaps. Content provided by Transformer Marketing.

Plumbers, electricians, carpenters, tree surgeons and roofers who perform skilled work on a customer's premises are just a few examples of artisan contractors. These workers are also called casual contractors. Piano tuners, interior decorators, exterminators and other skilled service providers are also considered artisan contractors. These contractors require special insurance for their tools and equipment, which are commonly moved from one site to another until each job is finished. The most affordable and efficient way for an artisan contractor to get liability and property coverage is to obtain a Business Owners Policy that is tailored to fit individual needs. Although they might be marketed under varying names, such policies usually have similar terms. Property owned by the business and real property are covered by the BOP. The property must be located at the address of the business described in the policy. Businesses that lease or rent their locations have coverage from the BOP for tenants' betterments and improvements. These include any installations, additions or alterations that cannot legally be taken away from the premises. Equipment that moves from one site to another and valuable machinery are items that pose the greatest risk for a significant loss. Such items are not covered under a standard property insurance policy. These items are classified as movable property, which means special contracts are required to obtain insurance. These special contracts are called floaters. Various types of equipment and machinery are covered during transit with an installer's floater. They're also covered during testing. In some cases, building materials might also be covered. Policies may be written to include coverage on a reporting form or for a single job. This means that the contractor provides information to the insurer regarding each new contract. Tools and equipment floaters provide coverage for the property that is insured. Coverage is extended to any location where the movable property is used. Liability coverage is essential for all contractors. If a customer files a lawsuit, this type of coverage will certainly be required to protect the contractor. Subcontractors' customers might require individuals who work for them to have Owners and Contractors Protective Liability insurance. This type of coverage provides protection for business owners from liabilities resulting from negligent acts committed by contractors or subcontractors. It's best to speak with one of our agents to learn how this type of coverage works. There might also be coverage for certain vehicles. Speak with us to learn what types of coverage are available for vehicles that are used primarily for business. Content provided by Transformer Marketing.

Here at Gladius Insurance Services we take pride in offering an impressive Commercial Auto program provided by a nationally know A+15 Rated Carrier. We can offer this with no appliations to sign and same day turn around (on 1-4 vehicles, fleets take slightly longer). Bind with ease with our painless process.

Here at Gladius Insurance Services we take pride in offering an impressive Commercial Auto program provided by a nationally know A+15 Rated Carrier. We can offer this with no appliations to sign and same day turn around (on 1-4 vehicles, fleets take slightly longer). Bind with ease with our painless process.

NOW AVAILABLE NATIONWIDE! We are very excited to offer this program to our retailers because now you can compete head to head with any of your competitors. Do Not Pass Up this Opportunity !!

We are very excited to offer this program to our retailers because now you can compete head to head with any of your competitors.