Industry News
General Liability Classification for Tree Care Contractors: Ground Work Is Still Tree Work
Author, Rory Anderson, Partner, Account Executive, Rancho Mesa Insurance Services, Inc.
Many tree care contractors are familiar with the ability to split workers’ compensation payroll between tree care and landscape codes when specific conditions are met. This has led some contractors to believe the same approach applies to general liability, particularly when trimming small shrubs, fruit trees, or clearing small trees and brush from the ground. While this assumption is understandable, workers’ compensation and general liability are governed by different classification systems. Applying workers’ compensation logic to general liability classification is one of the most common reasons tree care contractors experience unexpected additional premium at audit.
Understanding General Liability Forms and Endorsements
Author, Lauren Stumpf, Media Communications & Client Services Specialist, Rancho Mesa Insurance Services, Inc.
Two agency leaders within Rancho Mesa Insurance Services, Inc. made a special appearance in a recent episode of the StudioOne™ Safety & Risk Management Podcast. During episode 293, Executive Vice President Daniel Frazee and Vice President of the Construction Group Sam Clayton discussed the important forms and endorsements in general liability policies.
2021 Insurance Game Plan
Author, Dave Garcia, President, Rancho Mesa Insurance Services, Inc.
As we come to the end of 2020, the most challenging year most of us have ever experienced, where COVID-19, wild fires and other natural disasters took their toll emotionally, physically, mentally and financially on all of us we can only hope for a brighter 2021.
Autonomous Mowing – Are you Covered?
Author, Drew Garcia, Vice President, Landscape Group, Rancho Mesa Insurance Services, Inc.
Autonomous mowing is becoming more common in commercial and residential landscape management. As the market begins to adapt and utilize this technology it creates a very unfamiliar and unique exposure for you and your General Liability carrier.
Steps to Understanding and Managing Subrogation
Author, Daniel Frazee, Executive Vice President, Rancho Mesa Insurance Services, Inc.
Author, Jim Malone, Workers’ Compensation Claims Advocate, Rancho Mesa Insurance Services, Inc.
Subrogation crosses into many areas of the insurance world including workers compensation, general liability, property, and auto. As an employer, developing an effective Incident Investigation Plan is a key first step to managing the potential impacts of subrogation on your organization.
Pollution Liability for Landscape Contractors
Author, Drew Garcia, Vice President, Landscape Group, Rancho Mesa Insurance Services, Inc.
Most Landscape Contractors believe their exposure to pollution is limited to the herbicides, pesticides, and fertilizers they apply. In order to provide some limited coverage for this it is common to see the Herbicide/Pesticide Endorsement added to the Commercial General Liability Policy. Although the endorsement extends some coverage, Contractor’s Pollution Liability would help fill the gaps created by the General Liability Policy for all of the landscape contractor’s pollution exposures.
Three Reasons to Read Subcontractor Warranty Endorsements
Author, Sam Clayton, Vice President, Construction Group, Rancho Mesa Insurance Services, Inc.
Contractors General Liability Policies provide coverage for bodily injury and property damage for which the Named Insured is legally liable. This legal liability can result from the company’s direct operations or from other subcontractors hired by the Named Insured.
Is your Company Prepared for OSHA’s new Silica Rule?
Author, Sam Clayton, Vice President, Construction Group, Rancho Mesa Insurance Services, Inc.
On September 23rd 2017 the Occupational Safety and Health Administration’s (OSHA) new silica standard for construction will go into effect. This means contractors who engage in activities that create silica dust or are known in the industry as respirable crystalline silica, must meet a stricter standard for how much dust there workers inhale.