Expert insights, industry trends, and practical tips for protecting your contracting business
Commercial auto is still one of the hardest lines for contractors to place. Here is what is driving premiums, the legitimate ways to bring the cost down, what California actually requires for work trucks, and what to do if your carrier non-renews.
Read More →Carriers are writing smaller layers, raising attachment points, and asking harder questions about contractors' loss history, subcontractors, and fleets. Here is what changed in the umbrella and excess market, what underwriters want to see, and how to structure the purchase.
Read More →Prosecutors are charging unlicensed contractors in the Palisades and Eaton burn areas. Here is what a contractor needs in place to work and advertise legally on fire rebuilds: the license, the bond, workers' comp, contract and payment rules, and the trust signals owners look for.
Read More →Nevada OSHA has enforced its heat illness regulation since April 2025. Here is who it covers, what the written plan needs, how inspections work, and how heat claims hit your workers' comp.
Read More →California is ending the no-employee workers' comp exemption for nearly every license class on January 1, 2028. Here is who is already affected, what the delay from 2026 changed, and how sole owners can get ahead of it without overpaying.
Read More →Higher workers' comp penalties, email cancellations on home improvement contracts, subcontractor disclosure, and bigger CSLB fines. Here is every 2026 change, and the ones that should change how you buy coverage.
Read More →California's benchmark workers' comp rate rose to $1.65 per $100 of payroll, and the dual-wage thresholds for 13 construction trades went up by $2 to $5 an hour. Here is what that does to your renewal and how to soften it.
Read More →Steel, aluminum, and copper prices jumped in 2026. If you set your builder's risk, tool, and equipment limits a year or two ago, a single loss could leave you paying the difference. Here is how to check.
Read More →A $1 million general liability policy used to be plenty for a small trade contractor. With larger verdicts, rising medical and rebuild costs, and stricter contract requirements, one bad claim can now outrun it. Here is how to size your limits in 2026.
Read More →Almost every contract asks you to name the GC or owner as additional insured. Here is what that endorsement actually does, the difference between ongoing and completed operations, and the wording that quietly costs contractors money.
Read More →The premium audit at the end of your policy year is where contractors get hit with unexpected five-figure bills. Here is exactly what auditors look at, the three mistakes that cost the most, and the records to have ready.
Read More →California's wildfire rebuild market is the biggest contractor opportunity in a generation, and the toughest insurance environment. What builder's risk, general liability, and workers' comp look like for fire rebuild work in 2026, and what carriers now require in fire hazard zones.
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