FAQs

A waiver and an insurance policy do different work. A signed waiver is a contract term that may support a defense, and whether it is enforceable in a given ...

Not usually. Climbing, cutting, and removal are rated as a higher hazard than mowing and planting, and California licenses tree service under a different classification than landscape contracting. That ...

Equipment away from your yard is what inland marine coverage is written for, and it is typically arranged either as a schedule of listed items or as a blanket ...

California requires workers’ compensation once a business has any employees, and the requirement does not turn on whether the work is seasonal, part time, or short term. How a ...

No, they are different instruments doing different jobs. A license bond required by the Contractors State License Board exists to respond to a consumer, and if it pays, the ...

General liability and professional liability are written for different kinds of claims. General liability is built for third-party bodily injury and property damage, the visitor who trips in your ...

Often it does. Professional services agreements commonly specify limits, additional insured or certificate requirements, notice periods, and sometimes the type of form. The contract controls on its own terms, ...

Usually not, and where a requirement exists it usually attaches to how your practice is organized rather than to your profession. California has no single statute requiring professional liability ...

The two are built for different events. Professional liability responds to allegations about the quality of your work. Cyber liability is written for the breach itself, including response costs, ...

Options may include adjusting deductibles, reviewing collision and comprehensive on older vehicles, and confirming you are not over- or under-insured. An advisor can model the tradeoffs. ...