Do I need Insurance for Overwater Operations? What about Ship Repairers Liability coverage? Traveling workmen endorsement? Pollution liability? Wreck removal coverage?
Does our Marine Insurance allow us to do more than ship repairs? Is our coverage limited by mileage?
What are Discovery Clause and Territorial Limits and what do I need to know about them?
Do we work on seagoing vessels? Are we working in shipyards? Do we work on vessels at sea? If so, do we have Maritime Employers Liability?
If we have Protection and Indemnity coverage, is it written to include crew coverage?
What are these coverages - Transportation, wages, maintenance, and cure? Death on the High Seas Act? Jones Act? Do we need to add coverage for work done in the Gulf of Mexico?
Are there issues I need to deal with concerning Certificates of Insurance? Am I required to name my clients as additional insured?
Am I required to endorse my policies with a waiver of subrogation? Endorse my general liability policy with an aggregate per project or to be primary & non-contributory?
What about Subcontractors exclusion, Contractual Liability Coverage alternatives, Subcontractors insurance requirements warranty, or Pollution Exclusion alternatives?
What are the consequences to my business if an employee of my subcontractor is injured on one of my projects?
Is our General Liability coverage limited to activities on our Premises?
Are all entities that we do business under listed as named insured on our General Liability policy?
How do we verify that subcontractors have proper Liability insurance coverage?
Are all autos titled under the name of the business? What are the limits of liability we purchased under the current business auto policy? Do we ever pull trailers?
Do our employees ever use their own vehicles for business purposes? Do we sometimes rent autos for business?
Do we have equipment attached or wrap painted on any units? Are we carrying tools or goods?
What is an Installation Floater and why would I need one? Do we have equipment that is subject to perils in a variety of locations?
Would my property insurance cover materials once they are removed from my property? While an installation is in-process are the materials I have installed covered?
As the values of my materials on the job changes, does my coverage reflect those differences?
If we are storing materials, equipment, machinery, and supplies on the jobsite, are they covered?
What is Inland Marine Insurance and why would I need it? Would my property insurance cover tools and equipment that are not physically on my property?
Do we use boom lifts or cherry-pickers on job sites? What are the limitations on any coverage I may have for equipment and tools?
If we rent equipment for use on a job site, is it covered? If so, what are the limits?
Do I pay people to work for my business that I consider to be an employee or an independent contractor?
If so, have I arranged Workers' Compensation Insurance to protect me from being legally responsible...
...for the damages suffered by either an injured employee or an independent contractor that the courts deem to be my employee?
Do I have the necessary extension to my Workers' Comp Policy to cover me, officers, or partners if we are injured on the job?
Have I avoided buying Workers' Comp to save money? If so, have I compared those savings to the potential costs of not having coverage?
What about working outside the state of Texas? With our current Texas coverage, can we work in other states? Is it legal? Could we be fined?
Do different states' rates mean we have to price differently outside Texas? What if we are working on or near the water? Or even in a shipyard on land?
When do I need Longshore Insurance? Can employers or key officers be held criminally responsible for failing to have the required longshore insurance?
What are the hidden costs if subcontractors do not have Workers Compensation? Should owners and officers be covered by Workers Comp?
What is an Insurance Premium Audit? When would an Audit be performed? Who will conduct the audit? Do I need to be available to meet with the Auditor?
How will an Audit be conducted? Will someone visit in person? Might it be done over the phone? Will I need to provide a report?
What types of information will I need to provide? General information? Payroll information? Tax information? Sales information?
What do I need to do to prepare for my Audit? How should I organize my Payroll records? By policy period? By classification code? By overtime and regular?
What is included in Gross Payroll for Audit purposes? Should I request Certificates of Insurance from all my Subcontractors?
What is an Umbrella or Excess Liability policy and why do we need it? Do we sign contracts that require us to carry higher liability limits than we currently carry?
Do we have operations that, by their nature, have an amount of risk that could generate a larger loss than our current liability insurance would cover?
Do our clients, or prospective clients, expect operations such as ours to have higher liability insurance limits than we currently have?
Do we need our Umbrella or excess Liability policy to extend to territory outside of the U.S.?
If we have an Umbrella or Excess Liability policy, will its coverage extend to Additional Insured, Waiver of Subrogation of our primary liability policy?
Is our Umbrellas or Excess Liability policy 'pay on behalf of' or 'reimbursement' basis? Does the policy term run concurrent with our primary Liability policy?
