General Liability: Who is an Insured?

| Business Insurance, General Liability Insurance.

In a commercial general liability policy, the named insured is the person or organization that is specifically listed as the owner or policyholder on the declarations page. Beyond that specifically described named insured, the general liability coverage form also grants insured status to a number of other persons and entities. Knowing who is an insured… Read more »

Handyman Insurance Tips

| Business Insurance, Insurance education.

Working as a handyman requires a wide variety of skills. From plumbing and electrical work to carpentry and drywall repairs, a handyman can do it all. Protecting your business requires the assistance of knowledgeable insurance partner, such as the professionals at Safeguard Insurance. Here are some helpful handyman insurance tips to make sure you have… Read more »

Tow Truck Insurance Coverage Basics

| Business Insurance, Commercial Auto Insurance, Tow Truck Insurance.

Like many industries, tow truck operators have very specific insurance needs. To protect your towing business, it is important you understand tow truck insurance coverage basics including the specialized policies you need. Here are 3 types of insurance coverage important for towing service operators: On-Hook Coverage and Cargo Coverage While technically these are two different… Read more »

Handyman Insurance Myths

| Business Insurance, General Liability Insurance.

Finding the best insurance for your handyman business does not need to be a complicated and time-consuming process. At Safeguard Insurance we write all types of business insurance for handyman operations including general liability, workers compensation, and commercial auto. To make sure you find the right policy, here are some handyman insurance myths to consider… Read more »

We understand pest control insurance!

| Business Insurance, Pest Control Insurance.

If you own a pest control company, you know that exterminators require specialized business insurance. At Safeguard Insurance, we understand pest control insurance. For nearly 20 years we have worked with PCO’s large and small to provide coverage that meets all state and local regulations and protects your business from damage or injury claims. When… Read more »

Types of Construction Insurance

| Business Insurance, Contractor insurance.

The construction industry is full of opportunities and risk. Managing the risk is critical to running a successful and profitable construction firm. An effective safety program is the first step in managing risk. A comprehensive insurance plan is the next step and is just as important. There are many types of construction insurance available to… Read more »

Understand General Liability Exclusions

| General Liability Insurance, Insurance Claims, Insurance education.

The commercial general liability (CGL) policy provides remarkably broad coverage for property damage and bodily injury claims. As with all insurance policies, understanding what is not covered is just as important as understanding what is covered. Because the CGL policy is the foundation of most business insurance plans, it is critical to understand general liability… Read more »

Types of Contractor Insurance

| Agency Customers, Contractor insurance, General Liability Insurance, Insurance education, Risk Management, Umbrella Liability, Workers Compensation Insurance.

Contractors face a myriad of risks and require a customized business insurance program. There are many types of contractor insurance that should be considered. Fortunately, the professional agents at Safeguard Insurance have been working with contractors, large and small, for nearly 20 years. We can help contractors find the right insurance coverage, at the right… Read more »

Manufacturing Insurance

| Business Income, Business Insurance, Commercial Auto Insurance, Commercial Property Insurance, Products Liability, Workers Compensation Insurance.

Any business that makes products intended for use by others needs manufacturing insurance. This is not one policy, but rather a tailored portfolio of coverage that addresses the insurance needs of manufacturing. The team at Safeguard Insurance has been providing manufacturing insurance coverage for nearly 20 years. ¬†We have the markets and experience to provide… Read more »

5 Contractor Insurance Tips

| Business Insurance, Commercial Umbrella, Contractor insurance, General Liability Insurance, Insurance education.

Like many industries, contractors have very specialized business insurance needs. When choosing an insurance provider, contractors would be well served to work with an agent that understand their industry. Here are 5 contractor insurance tips to make sure you have the right coverage for your business. Understand additional insured endorsements. There are dozens of additional… Read more »

Business Insurance Tips

| Business Income, Business Insurance, Commercial Auto Insurance, Commercial Property Insurance, Workers Compensation Insurance.

Many business owners want to buy an insurance policy and never think about again. We understand you have better things to focus your time on, so here are some business insurance tips to make sure you have the right coverage to protect your operation. Buy adequate property insurance coverage. Many property insurance policies¬†contain a co-insurance… Read more »

Products Liability versus General Liability

| Agency Customers, Blog, Business Insurance, General Liability Insurance.

Most businesses involved in manufacturing know they need to purchase products liability coverage. When providing products liability insurance quotes, we are often asked about the difference between products liability versus general liability. Products Liability versus General Liability In reality, products liability (or product liability) is a component of general liability insurance. Unless otherwise excluded, a… Read more »