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How to Obtain Your Contractor’s License in CA

In the state of California, you must carry a contractor’s license before you complete any project valued at more than $500. If you don’t have your contractor’s license but continue to do engineering or construction work, you may be forced to pay an expensive fine or even defend yourself against criminal charges. At DJM Insurance… Read More »

How Do You Choose Workers’ Compensation Insurance?

A work-related injury can turn both a business owner’s and an employee’s world completely upside down. Workers’ comp insurance in Arizona, Nevada, and many other states is required by-law for business owners who have at least one employee and certain types of independent contractors. As a business owner, you probably already know that you need… Read More »

Do You Need Workers’ Compensation Insurance if You Are Self Employed?

Workers’ comp insurance in Arizona and other states is a type of coverage that provides financial benefits to replace lost wages and assist with medical bills in the event that an employee is injured while on-the-job. While workers’ compensation insurance is required for employers in most industries and most states, things can get a little… Read More »

General Liability Vs. Workers Compensation Insurance

  As a business owner, it’s your responsibility to look after your customers and make sure that your projects are completed on time and under-budget. While some business expenses are simply unavoidable, most contracting business owners are always on the lookout for places they can save—and if they have a high insurance bill, they may… Read More »

What Does Contractor’s Liability Insurance Cover?

  If you’re a construction, hardscaping, or home improvement professional operating as a contractor, you probably already know that liability insurance is required in most states to legally operate your business. General liability insurance in California may not be required by law, but it’s still an essential tool that every contractor or sub should have… Read More »