Category: General Article

If you have ever rented a car in any area that produces a lot of inclement weather, you may be shocked when you return the vehicle to find out you have incurred a large debt for ice pellet damage. The trick with car rentals is their misleading warnings that only dents and dings over a certain size will be counted. After the damage is done; they may attempt filing a claim against your auto insurer for multiple spot dings, even if they do not individually meet the specifications. These dings may be so subtle that you can only notice them at the right angle and ideal lighting. The car rental agency immediately wants to charge you for a large deductible that is likely to raise your insurance rates.

As made obvious from the name, paintless dent removal was developed as an alternative to pricey paint jobs. It has always been known that many soft dents and dings can pop back into place with minimal impact on the overall look of the vehicle. This is because the metal has a memory and desires to return to that original state. Paintless dent experts are equipped with various tools and special training to …

Like every good contractor, you’ve trained your employees on safety procedures and how to drive safely while transporting equipment and building materials, but the truth is a simple, unforeseen accident can turn a profitable construction project into a total financial loss. Buying construction liability insurance is a sound business decision but before you jump in and sign a contract, there are critical things you should know before you make this important decision.

Types of Insurance

Before you research insurance companies, self-assess your insurance needs and constructions risks so you’ll have a clear idea of exactly what type of insurance you’ll need. For example, general liability policies will cover bodily injury and property damage but will not cover the costs to repair defective work. Builder’s risk insurance will cover specific named “perils” such as fire, explosion and theft. Review the list carefully to make sure it covers your needs. Another common aspect of builder’s risk insurance is exclusions, every policy will have them, so go over them in detail with your provider so you know what is and what is not included in your policy.

Professional liability insurance will cover you if you fail to deliver on services or do negligent …