Better Dwelling Coverage

By Insurance News Editor | August 16, 2021 |

With a standard homeowners insurance policy, your dwelling is insured for a specific amount, which is listed on your policy’s declaration page. Here’s a key difference between standard homeowners and High- Value homeowners. High Value policies often go above and beyond a standard policy by offering extended replacement cost coverage for your dwelling and other…

Better Contents Coverage

By Insurance News Editor | August 16, 2021 |

When it comes to your possessions, owners of high-value homes are always concerned that they get enough insurance coverage for homes filled with expensive personal items. Not only that, high-value home policies cover your dwelling for all risks, versus a standard home insurance policy covers your home for a limited amount of risks (“named perils”),…

Better Liability Coverage

By Insurance News Editor | August 16, 2021 |

Typically, a high-value homeowner owns increased assets. That means you have more to lose in the event of a lawsuit. The good news is that High-value home insurance policies provide liability coverage, just like a standard policy, and you can choose a coverage limit. But they may also provide for your legal defense costs outside…

Role Of Property Insurance

By Insurance News Editor | August 16, 2021 |

Insurers are in the unique position of having encyclopedic information about the many different ways your business property could be damaged or destroyed, from fire and flooding to embezzlement. Property is also vulnerable as a result of a variety of other events such as electrical surges, accidental activation of a chemical sprinkler system or a…

Do I Need Professional Liability Insurance?

By Insurance News Editor | August 16, 2021 |

Professionals that operate their own businesses need professional liability insurance in addition to an in-home business or businessowners policy. This protects them against financial losses from lawsuits filed against them by their clients. Professionals are expected to have extensive technical knowledge or training in their particular area of expertise. They are also expected to perform…

Why You Need Pollution Liability

By Insurance News Editor | August 16, 2021 |

Delivering a construction project completed, on schedule and within the agreed budget is crucial for everyone involved. Delays due to product availability, staffing issues, or equipment malfunction are challenges all projects must overcome. However, unaddressed environmental risks can ultimately derail a project and significantly impact the schedule and budget. Although project impacts due to environmental…

General Contractor Subcontractors/Trade Contractors Pollution Liability

By Insurance News Editor | August 16, 2021 |

General Contractor Liability When a general contractor is hired to complete a project, they oversee the entire project and may hire subcontractors to complete a portion of the work. Although the project owner retains some liability, the work performed, either by the general contractor or its subcontractors, is the responsibility of the general contractor, including…

Demolition Contractors Need General Liability and Contractor Pollution Liability

By Insurance News Editor | August 16, 2021 |

Most contractors work in environments where asbestos, lead, mold, bacteria, and blood borne pathogens may exist and General Liability policies specifically exclude these exposures. Look into a Demolition Contractor Liability Insurance Program designed for demolition contractors who have less than a 25% environmental exposure. The Environmental Program includes expanded environmental coverage forms for those who…

Protecting Your Business Against Contingent Business Interruption and Supply Chain Disruption

By Insurance News Editor | August 16, 2021 |

In today’s global marketplace, more and more businesses rely on overseas suppliers. If your company’s operations depend on the timely delivery of raw materials, parts or finished products from distant locations, then your business could be hurt when these goods are delayed or fail to arrive altogether. Furthermore, a significant downturn in supply often results…

Remote Workers Reluctant to Return to the Workplace

By Insurance News Editor | June 8, 2021 |

There’s a reluctance among workers to give up location flexible work after the pandemic. According to a survey conducted by YouGov earlier this year, 80 percent of Americans who started working from home during the pandemic want to continue doing so at least half the time when the pandemic is over. While 24 percent of…


Landscape Contractors Insurance Services, Inc.
1835 N. Fine Ave, Fresno CA 93727
Tel (800) 628-8735 Fax (559) 650-3558
CA LIC # 0755906