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?
When renting a car, should you buy the damage waiver offered by the Rental Company? Should you use the coverage offered by your credit card company?
Should you purchase hired physical damage coverage from your insurance provider?
If our employees are running errands for our business with their own automobiles, do we have Non-Owned Auto Liability coverage?
Do we run motor vehicle reports on employees using their own autos for business? Do we know if these employees have automobile liability coverage? How much?
Are we comfortable with our current Hired Non-Owned Auto liability limit? Do we have Hired Auto Liability coverage?
If we are renting a car out of state, will our current Texas Workers' Comp cover our employees in those cars? What about business or personal property left in a rental car?
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 damages suffered by either an injured employee or independent contractor?
Do I have the necessary extension to my Workers' Compensation policy to cover myself, officers, and partners if we are injured on the job?
Have I avoided buying Workers' Compensation insurance 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 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' comp? 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 or Lease Agreements 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?
