Insurance Industry Resources

Every company is different and so are their insurance needs. To help you with the complexity of your buying decision, we’ve provided a convenient resource section where you can learn about business insurance requirements, industry trends, and the most common policy information for all Contractor Liability Insurance. At DJM our team of experts is ready to help you find the insurance you need when you need it.

Insurance

How Does One Go About Getting Insurance?

Insurance is something we all need, but that doesn’t mean getting insurance is easy! Whether you’re buying a home, you’re ready to get the life insurance policy you have been talking about for years, or you finally bought that motorcycle you have always wanted, it’s difficult to know how to get started.

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5 Things You Need to Know About How Insurance Works

The basis of how insurance works is relatively simple. You pay an insurance company money every month so you can get money if something goes wrong. Health insurance makes procedures…

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What Is the Difference Between Being Bonded and Insured?

Whether you have worked in the construction industry or you yourself have searched for a contractor to complete a residential or commercial project, you have probably heard the terms “bonded and insured” thrown around. They are almost always used together, which leads some people to believe that they are the same thing.

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Builder’s Risk

What Is Builder’s Risk Insurance for Contractors?

Buildings are traditionally covered by home or property insurance, but what if the building process isn’t yet complete? That’s where contractor builder’s risk insurance comes in! Exactly what is builder’s…

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Can a Building Be Built in a Way That It Is Impossible to Be Burnt Down?

A fire is a devastating event for any building, whether it’s a commercial building or a residential building. You probably already know that entire communities can be destroyed in areas where wildfire is a threat, but even densely populated areas can be a huge fire hazard.

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What You Need to Know About Builder’s Risk Insurance for Renovations

You know you need builder’s risk insurance for new construction projects. It protects both the contractor and the project owner from things like fire, hail, theft, and vandalism.

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Contractor License Bonds

What Kind of Bond Does a Contractor Need?

Contractor bonds can provide peace of mind to those working on a project, and they can ensure a project is completed smoothly, but before you dig into all of your…

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Contractor’s Bond Vs. a License Vs. Insurance—What You Need to Know

It sure seems like overkill for contractors to mention that they are licensed, bonded, and insured. On the surface, it seems like just one of those things would cover everything you would need to know about a contractor and the protection they have for their business.

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5 Tips for Filing a Claim Against a Construction Contractor’s Bond

A contractor who is licensed and bonded can instill confidence. You can be fairly certain they will get the job done according to your contract.

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Commercial Auto Insurance

What Is Commercial Auto Insurance?

Every vehicle that is being driven needs to have an insurance policy. That usually means getting a personal policy. They can vary widely depending on the kind of coverage you need.

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What Are the Major Differences Between Commercial and Personal Auto Policies?

Just because you know you need to have coverage doesn’t mean you know what kind of coverage you’re supposed to have. It can be difficult to figure out if a personal auto policy will cover you in the event of an accident, or if you actually need commercial insurance.

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How Much Is Commercial Auto Insurance?

Commercial auto insurance is essential for any business that owns company vehicles or has employees who drive while on the clock.

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Workers’ Compensation

What Is Workers’ Compensation?

A lot of pieces have to come together in order to run a business, especially if you want to keep running that business for many years to come. Workers’ compensation is one thing that your business can’t overlook

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How Much Is Workers’ Compensation Insurance?

Workers’ compensation insurance is important for every business. It protects your employees, but it protects you and your business too. Your employees get the medical care they need if they experience an accident on the job, and you can avoid lawsuits.

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How Do You Buy Workers’ Compensation Insurance, and Where Can I Get It?

Workers’ compensation insurance is an important component of any insurance policy, but it is especially important if you’re in the construction industry. It is designed to help your employees recover after a work-related injury or illness, and it is often required by law.

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How can we help you?

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