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When it’s your dog We’re a nation of dog lovers. Many of us have more than one, whether we live in the city or the country. Yet, dog bite losses exceeded $1 billion in 2015, including 35 deaths. Annually, about 885,000 people, half of them children, receive medical attention dog bites, according to the Center […]

The GEICO gecko paints an attractive picture of a friendly and understanding insurance company that gives you excellent service — and saves you money on your auto insurance. GEICO is not alone; there are other well-advertised insurance brands endlessly wooing consumers, each one trying to out-spend the other on captivating advertising. Amid all the excitement, […]

Most people don’t spend much time choosing an insurance agent. They ask around, see an ad, or meet one at a community event. Not much in the way of due diligence, you might say. It’s as if it doesn’t make a difference which one you choose—they’re all about the same. Not so. As with plumbers […]

Designing insurance coverage for managing the unique risks of high net worth individuals has always been an agent’s primary focus, with loss prevention often a secondary issue. For today’s high net worth individuals, loss avoidance is equally as important as the coverages for protecting their lives, homes, collections, and cyber security. Homes For decades, a […]

Auto insurance policies contain a variety of required and optional coverages and deciding what your policy should cover and how much you should pay can be daunting. Here are five common mistakes consumers make: Buying only the legally required liability minimums While buying only the legally required liability minimums is arguably the cheapest option, it […]

With far more risks, coverages, and complexity, spending time reading a business insurance policy isn’t on many radar screens. Take cyber liability, for example, and then there are the endless complications of doing business overseas, along with employees traveling and working abroad. There’s a lot more. With global outsourcing, U.S. businesses are more dependent than ever on overseas suppliers. This raises a major issue of what happens if a supplier can’t deliver as planned. And, then there’s data security, or more to the point, data theft. The huge breaches make the news, but many systems are being compromised.

Complying with bidding requirements, contract administration, attention to detail, thoroughness, responsiveness, safety, budget, and timeliness are huge parts of a General Contractor’s (GC) job. That’s why when evaluating bids from subcontractors, GCs look at much more than the cost. In selecting the subcontractors, GCs consider quality of work, safety record, including Experience Modification Rate (EMR) and OSHA compliance, expertise, workforce training, time efficiency, contract management, and reputation as well as the competitiveness of the bid.