You landed the job. The contract is signed, your crew is ready, and you’re getting everything lined up to start working. Then you get an email from the general contractor: “Your certificate of insurance has been rejected.” Seriously? Now you’re…
AI can answer almost any question in seconds. But when it comes to protecting your business, getting an answer isn’t the same as getting good advice. I’ll admit something right up front. I use artificial intelligence. A lot, actually. I…
If you own a construction business, you’ve probably heard this advice before: “Don’t put your guys on payroll. Just 1099 them.” Sounds like a pretty good deal, doesn’t it? Less paperwork. No employer payroll taxes on those payments. Fewer administrative…
Most contractors don’t wake up one morning and suddenly have a million-dollar business. It happens little by little. You start with yourself, a truck, some tools, and maybe $150,000 or $200,000 a year in revenue. Then you get busier. You…
Two electricians. Same city. Similar work. About the same revenue. Roughly the same number of employees. One gets an insurance quote for $6,000. The other gets quoted $14,000. What the hell happened? It’s tempting to assume one contractor found a…
You landed the job. The GC sends over the construction contract. You look at the scope of work, check the price, skim through a few pages of legal stuff, scroll to the bottom and sign it. Then you send it…
You paid your insurance premium. The policy year ended. Maybe you even renewed. Then a few weeks or months later, another bill shows up. $8,000 due. Wait. What? You already paid for the insurance. Where did another $8,000 come from?…
Most contractors I talk to worry about the obvious stuff. Someone stealing a trailer full of tools. A storm shutting down a job. A customer refusing to pay. Materials showing up late and throwing an entire project off schedule. Those…
Most nonprofit leaders spend their days thinking about how to serve more people, raise more donations, and stretch every dollar a little further. Cybercriminals know that. And that’s exactly why nonprofits have become one of their favorite targets. Here’s a…
Water damage is one of the most common reasons homeowners file insurance claims. It’s also one of the most misunderstood. We’ve had conversations with homeowners who were shocked to learn that the water damage they assumed was covered… wasn’t. Others…
