Jake Kouzminski

As you bid on jobs, you may have noticed that Pollution Liability insurance is increasingly becoming a contractual requirement. That’s because environmental claims have increased dramatically in recent years. Climate change has raised public awareness about the impact of pollution, leading to new federal, state and local ‘brownfield’ initiatives and tax advantages for companies that …

Avoid Toxic Situations with Pollution Liability Insurance Read More »

Umbrella insurance protects businesses from catastrophic losses by providing increased limits of liability for General Liability, Commercial Auto Liability, and the Employer’s Liability section of your Worker’s Compensation policy. It sits “over” these policies, picking up when the limits of each are exhausted.  Usually, the Umbrella policy provides the same type of coverage as these …

Maximize Your Protection with an Umbrella Policy Read More »

Commercial General Liability (CGL) insurance is a must for contractors. It protects your business from financial loss for bodily injury (somebody you hurt) or property damage (something you damage). It also covers harm you cause to the reputation of others. CGL policies allow your firm to continue operating as usual when faced with both real …

First Things First: Contractor’s General Liability Insurance  Read More »

As the name implies, commercial property insurance protects your company’s physical assets—your buildings and their contents—from perils such as fire, storms, theft and vandalism.  This is true whether the property is owned or leased.  What assets are usually covered?  In addition to your building and its contents such as inventory and machinery, a property policy …

Commercial Property Insurance: Choosing the Right Fit for Your Construction Business Read More »

Inland Marine insurance? What does that have to do with the construction business? Don’t let the name distract you. Inland Marine insurance is for coverage of equipment loss and damage, which can stop a job right in its tracks.  In an industry where vandalism, theft, and damage from weather events leads to billions of dollars …

I’m a Contractor. Why Do I Need Inland Marine Insurance? Read More »

As American businesses continue to reckon with intolerant behavior in the workplace, it is more critical than ever to understand where your business is protected and exposed. In the United States, 61% of employees have experienced or witnessed workplace discrimination (Leftronic/Statista, 2020). It’s no surprise that according to researchers, three out of five employers will …

Employment Practices Liability Insurance: Essential Coverage for Employers Read More »