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Introduction  Hiring a contractor for your construction project is a crucial decision. One key factor that is often overlooked is whether the contractor carries adequate insurance. Hiring uninsured contractors can expose your business to severe risks, including legal penalties, financial losses, and safety hazards. As a project owner or general contractor, ensuring that every contractor…

How Return-to-Work Programs Impact Workers’ Compensation Costs  One of the most effective ways for businesses to manage workers’ compensation expenses is through Return-to-Work (RTW) programs. These programs allow injured employees to return to work on light duty while they recover, reducing the length of absence and helping control insurance costs. For small and medium-sized businesses…

Six Trends Affecting Commercial Auto Insurance  Commercial auto insurance plays a crucial role in protecting businesses that rely on vehicles, whether for deliveries, services, or transporting employees. However, the landscape of commercial auto insurance has been evolving, driven by multiple trends that have resulted in rising costs and limited coverage options. Business owners in Delaware,…

The Importance of Safety in Construction: Protecting Your Team and Business  Safety is a priority for any business, but for construction companies, it’s a matter of life and death. The risks in this industry are high, and without proper safety measures in place, accidents can lead to serious injuries, financial loss, and legal consequences. Small…