by Andrew Betts | Sep 3, 2026 | BOP & Contractors
Your roofer or HVAC tech is driving to the third job site of the day, ladder rack loaded, van full of tools, when another driver runs a red light. The truck is totaled. A passenger in the other car is seriously hurt. If that van is covered only under a personal auto...
by Andrew Betts | Sep 3, 2026 | BOP & Contractors
You carry a general liability policy, you pay the premium every year, and you assume you’re covered if something goes sideways on a job. That assumption is reasonable, but it may be costing you more than you think. Here’s the scenario nobody wants to...
by Andrew Betts | Aug 10, 2026 | BOP & Contractors
You scheduled the crew, ordered materials, and showed up to the job site ready to go. Then the building department stops you cold because your certificate of insurance is expired, lists the wrong limits, or names the wrong certificate holder. It happens more than...
by Andrew Betts | Jul 20, 2026 | BOP & Contractors
Why Ohio General Contractors Need to Verify Subcontractor Insurance Before the Job Starts You get a COI from your sub, you file it away, and the job kicks off. Simple enough. But what happens when that certificate is expired, deficient, or outright fake? In Ohio, the...
by Andrew Betts | Jul 13, 2026 | BOP & Contractors
Does Your Ohio Contractor Business Need Inland Marine Insurance for Tools and Equipment? A Middletown, Ohio contractor came in to work one morning and found his trailer and Bobcat gone. The loss: somewhere between $20,000 and $30,000. His general liability policy...
by Andrew Betts | Jun 29, 2026 | BOP & Contractors
Why Ohio Roofers Need Completed Operations Coverage After the Job Is Done You finish a roof, collect your payment, and move on to the next job. Six months later, an attorney calls. Water has been infiltrating the structure since your crew left, and now there is...
