When you hire a contractor, electrician or other home repair specialist, you may shop around on price and go with the least expensive one. But if a contractor comes in with a bid that is much lower than the competition, it could mean they are cutting corners – and one of the top ways for…Read more
Insurance for Small Construction Businesses
Small construction businesses require several of the same types of insurance coverage that larger businesses need. In addition to this, there are types of coverage available that are specific to the construction industry. It’s best to speak with a qualified agent who has experience in insuring small construction businesses. Agents with experience are able to…Read more
Misclassifying Workers as Independent Contractors is Bad for Your Business
Employer misclassification of workers as independent contractors is a large and growing problem. Employers trying to keep their costs down may inadvertently or deliberately misclassify workers who should be classified as employees. They escape employment taxes, unemployment and workers’ compensation insurance costs, and paying overtime rates required by law for employees. They also cheat workers…Read more
Roofing Insurance
Many times roofers have few options when it comes to obtaining the proper insurance for their roofing business. Here at The Andrew Agency, we have a program specifically designed for roofers in Virginia or Maryland. Insurance for roofers has historically been rather cumbersome and complicated due to the high risk nature of the business. However,…Read more
Remodeling Contractors Insurance
We often receive calls at the agency from contractors inquiring about their various insurance needs. There are many different types of commercial insurance policies available for contractors. Below are just some of the policies available to contractors to help protect themselves and their business. Commercial General Liability (CGL) policy One of the most common and…Read more