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Commercial General Liability

What does a Commercial General Liability (CGL) Cost?

There are two types of policies that a contractor can get. 1) Claims Made policies are available at the lowest cost, but come with some risk. They will only pay for a claim that is filed during the annual policy period. We recommend against this type of policy because claims can be filed years later depending on your state regulations for contractors. 2) Occurrence policies are recommended because claims can be covered, even after the policy has expired. The only time limitation is set by your state regulations, usually 5 to 10 years.

How do I pay for my Commercial General Liability Policy?

Our agency takes Credit Cards or Check, which we ACH, to get your policy started. Financing is available with 10 equal monthly payments. Your agent will review these options with you.

What is covered by Commercial General Liability?

Bodily Injury and Property Damage to Others. That is a broad statement of coverage, but each policy contains exclusions. The exclusions are an important part of the policy. The policy also contains endorsements that can add or remove coverage. We match your business with the lowest cost policy, but provides the necessary coverage based on your signed application to the carrier.

Certificates of Insurance

Certificates of Insurance: How, Why, and What are they?

The How is easy. Once your policy has been bound by the carrier (Usually Same Day), we set the information up in our Agency Management System, including Certificates of Insurance you may need to get on the job site. You can call, email, or log in to your account and get certificates 24/7. The Why is because, just like your auto insurance card you must carrier to show proof of coverage, Certificates of Insurance show your clients you have active CGL coverage. If your auto policy is canceled the carrier notifies the state. If your CGL policy is canceled the agency notifies the Certificate Holders. The What is Certificates of Insurance forms? The forms are approved by your state insurance department and the agency is a subscriber to the company, ACORD, that works with the insurance department and carriers.

How much does the agency charge you for Certificates of Insurance?

The agency does not charge you for Certificates of Insurance.

Builders Risk Insurance

What is Builders Risk Insurance?

Builders Risk Insurance is a policy that offers coverage for both Residential and Commercial properties while under construction, each policy is property specific.

Why would I need Builders Risk?

Builders Risk Insurance is designed to protect construction sites from loss or damage. Dependent on the coverage(s) selected losses due to such things as flood, fire, wind, theft, and vandalism may be covered by a Builders Risk policy.

What is covered by Builders Risk?

Builders Risk offers a variety of options and each policy can be designed based on your project needs. Items that you can select coverage for could include construction materials (even while In Transit), fencing, scaffolding, signs, and landscaping.

Who can purchase a Builders Risk policy?

Both the Homeowner/Busniess Owner or the Contractor can purchase the policy, this can be decided between the parties who will purchase the coverage.

How long will the policy be in place?

Builders Risk coverage for a New Build (Ground Up) is always written on a 12-month policy term, the coverage will, however, end once a Homeowners Policy is purchased. You can also extend a New Build policy (Renew) if the project is not completed. Builders Risk coverage for Remodel/Renovations can be purchased in 3,6,9 or 12-month terms. Please also note, Builders Risk does not offer refunds on projects that are completed before the expiration date.

How expensive is Builders Risk?

The price varies from project to project and are rated based on things such as the value of the project, location (zip code), square footage and coverage options selected.

Workers Compensation Insurance

What is Workers Compensation Insurance?

Workers Compensation Insurance is a policy on your employees, you may also be included in the policy. It covers injuries that are job-related, medical care and compensation for that injury. There is also a death benefit for a surviving spouse and dependents.

Why would I need Workers Compensation?

States require this coverage to protect injured workers, provide medical treatment and rehabilitation. Employers have a legal obligation to provide a safe workplace. Accidents can happen even with the best protections. Each state has different laws that govern when you need Workers Compensation.

What is covered by Workers Compensation?

Accidents and injury that are job-related, either on the job site premises or auto accidents while traveling on business, and work-related illnesses.

How do I purchase Workers Compensation?

You must purchase Workers’ Compensation from a licensed agent or, directly from a few monopolistic states from their State run agencies. All Workers Compensation is based on payroll, you will be required to report that payroll either monthly or quarterly to the carrier. Getting started will require an up-front deposit and either monthly or quarterly payments.

How long will the policy be in place?

Policies are renewable every 12 months.

How is the rate calculated?

You will be asked to submit a description of the work classes that your emloyees perform, i.e., roofer, clerical, tile, frame, etc. Each class will be assigned a class code, each code has a rate per $100 of payroll. That rate will be multiplied by their rate of pay to get the premium.

Professional Employer Organizations

What is a Professional Employer Organiztion (PEO)?

A PEO is an organization that relieves you of many tasks and liabilities pertaining to your employees. You are the site and day to day employer, they take on some of the back office administration that does not make money for you and frankly, can cost you money.

Why would I use a PEO?

They provide affordable Workers Compenstion pay as you go with each payroll. There is no audit monthly or quarterly as the payroll is reported on each pay period. You are charged for the amount of payroll reported, the workers compensation premium plus employee taxes and a processing fee. They calculate overtime, can cover employees in multiple states so you don’t need multiple policies, provide payment for garnishments and much more. Many do not charge an up front fee to get started and you can be part of the organization in about a week. They run your payroll that you report to them, they pay the workers and can provide direct deposit or live checks. The PEO will generate W-2’s at the end of the year and many file 940’s and 941’s for you. They provide HR so that you have that reference and support for compliance issues and employee related issues, safety programs and empoyee handbooks. They can also provide medical, dental, vision, life insurance, long and short term disability, a 401k and many more benefits.

Can I choose the benefits?

The PEO must run payroll, provide the Workers Compensation with compliance and HR support. The benefits you choose; some can be placed depending on the size of your group. Some benefits may not have a participation requirement.

How do I get started?

Contact us for a brief conversation, we can usually have a rate within 24 hours or less.

Do I need a Contractor's License? (By state)

Alabama

You will need a general contractors license or a subcontractor’s license to work on any projects worth $50,000 or more. Carpentry is a building construction specialty according to the Licensing Board for General Contractors. You must show proof of three years of experience, as well as the completion of three carpentry projects. You must have construction insurance and hold a certificate of insurance and you will need to pass a trade exam, and a business and law exam to meet all carpenter license requirements.

Arizona

Arizona requires you to have a contractor license to build, alter, repair, subtract from or improve any structure. The specialty residential contracting license, R-7 Carpentry, specifically licenses you to install and repair rough carpentry, finish carpentry, hardware, millwork, metal studs, metal doors or door frames, and windows. The R-60 specialty relates to finish carpentry, while the R-61 specialty allows carpenters to perform carpentry remodeling and repairs for projects worth $50,000 or less. These licenses are issued by the Arizona Registrar of Contractors. You will need to pass a trade exam and show proof of a bond. For Carpentry R-7, you must show four years of experience and proof of the completion of seven new projects and eight maintenance projects. For Carpentry, Remodeling and Repairs R-61, you must show proof of four years of experience and 15 maintenance projects.

Arkansas

You’ll need a Home Improvement Specialty license to cover carpentry, framing, millwork, and cabinets. The State of Arkansas Contractors Licensing Board issues two types of licenses in this category – limited licenses that cover residential home improvement jobs worth less than $50,000 and unlimited licenses that cover residential jobs of any size. You must show proof of experience in carpentry, and you must show proof of worker’s compensation insurance.

California

you must hold a state license in California to do work on any projects worth $500 or more. You will need a Specialty C-5 Framing and Rough Carpentry Contractor license or a C-6 Cabinet, Millwork and Finish Carpentry Contractor license. The license is issued by the Department of Consumer Affairs Contractors State License Board. To meet the California carpenter license requirements, you will need to show four full years of experience in the last ten years, you must pass an exam, and you’ll need to have a $15,000 bond in place.

Colorado

There are no license requirements for the state of Colorado. As with other general contractors, there may be regulations at the state level which you need to check before you begin work.

Connecticut

If you make permanent changes to a residential property, you’ll be considered a home improvement contractor in Connecticut. You will not need to be licensed; however, you will need to be registered with the Department of Consumer Protection.

Delaware

Carpenters and general contractors are required to register in Delaware for revenue purposes only.

Florida

You may be considered a contractor and may need a license to work in Florida, depending on the scope of the projects you do. According to the Florida Department of Business and Professional Regulation, a contractor in Florida is considered to be any person who constructs, repairs, alters, remodels, adds to, demolishes, subtracts from or improves any building or structure. If you do only miscellaneous non-structural work such as minor carpentry, door repairs, paneling, tile installation and window repair you won’t need a state license. State carpenter license requirements include passing a trade exam, as well as a business and finance exam.

Georgia

A license from the State Licensing Board for Residential and General Contractors is required for the following:

(See O.C.G.A. § 43-41-2 for complete definitions)

1. Residential-Basic Contractor (contractor work relative to detached one-family and two-family residences and one-family townhouses not over three stories in height)

2. Residential-Light Commercial Contractor (same as residential-basic, and additionally, such contractor work or activity related to multifamily and multiuse light commercial buildings and structures)

3. General Contractor (contractor services unlimited as to type of work contracted for, undertaken to perform, bid or proposed upon or otherwise offered to perform, and performed as a contractor, except any work which falls under the licensing requirements of Chapter 14 of this title, which may not be performed by the general contractor unless he or she possess licensure to do such)

4. General Contractor Limited Tier (contractor services unlimited as to type of work contracted for, undertaken to perform, bid or proposed upon or otherwise offered to perform, and performed as a contractor, except any work which falls under the licensing requirements of Chapter 14 of this title, which may not be performed by the general contractor unless he or she possess licensure to do such). This license is limited to contract amounts of $500,000 or less.

Certain specialty trades or work costing less than $2,500 does not require the services of a state licensed contractor. Please review their website for information on specialty services.

Idaho

To work as a contractor in Idaho, you will need to be registered with the Idaho Contractors Board. There are no license requirements.

Illinois

Contractors in Illinois are licensed by city and county governments. Check with your local government for specific licensing requirements. Chicago has special coverage requirements, contact the city building department.

Indiana

General contractors, do not require a state license to work in Indiana. You must check all local regulations before you begin work.

Iowa

All contractors, including carpenters, who perform “construction” work on a residence that is not their own, and who earn more than $2,000 per year, must register with the Iowa Division of Labor. There is no state license requirement.

Kansas

You don’t need a state license to work in Kansas. However, there may be license requirements on the local level so you need to check these before you begin work.

Kentucky

You won’t need a state license to work in Kentucky; however, there may be carpenter license requirements at the local level so make sure you check these before you start any work.

Louisiana

Carpenters may require a state license in Louisiana, depending on the scope of the work being done. Home improvement projects, worth between $7,500 and $75,000 do not require a license, but do require registration with the Louisiana State Licensing Board for Contractors. You’ll need to hold general liability and worker’s compensation insurance. A residential license covers projects where the labor and material are worth more than $75,000 or residential framing where the labor and materials are worth more than $7,500. A commercial license covers projects worth more than $50,000 and covers the building construction subclassification of carpentry. No trade exam is required unless you apply for the Commercial Specialty Classification 7-156 Carpentry. You’ll also need to pass a business and law exam.

Michigan

As a contractor in Michigan, you’ll need a Maintenance and Alterations Contractor license from the Department of Licensing and Regulatory Affairs. You’ll need to complete 60 hours of approved pre-licensing education and you’ll need to pass an exam to be awarded the license.

Minnesota

Carpentry is considered a special skill area within the category of Residential Building Contractor. The special skill area of carpentry includes rough carpentry, finish carpentry, doors, windows and skylights, porches and decks, wood foundations, and drywall installation. If you earn less than $15,000 per annum and you provide only one special skill, you don’t need a state license. However, if you offer more than one specialty skill (such as interior finishing or exterior finishing), you’ll need a residential remodeler license (to work on existing structures) from the Department of Labor and Industry. To be licensed, you’ll need to show proof of liability insurance and pass an exam.

Mississippi

Remodelers in Mississippi and requires a Residential Remodeling License to do any work that is considered improvements to an existing structure, when the cost of the improvements is more than $10,000. The license is awarded by the Mississippi State Board of Contractors. You will need to pass a trade exam, as well as a business and law exam. You’ll need to show proof of general liability insurance.

Missouri

Carpenters in Missouri do not need a state license to work. However, there may be local Missouri carpenter license requirements, and you need to check these before you begin any projects.

Montana

A construction contractor in Montana and is defined as anyone who “adds or takes away from a structure, project, development or improvement attached to real estate.” There are no carpenter license requirements, but if you have employees, you’ll need to register with the Department of Labor and Industry. You must have valid insurance.

Nebraska

As a carpenter, you don’t need a state license to work in Nebraska; however, as a subcontractor who may perform construction, alterations, renovations, additions, repairs or installations, you will need to register with the Nebraska Department of Labor.

Nevada

Contractors must hold a state Contractor License to work in Nevada. Carpentry, maintenance and minor repairs is a C-3 subclassification which includes carpentry and repairs (C-3a), finish carpentry (C-3b), insulation and weather stripping (C-3c), overhead doors (C-3d), and drywall (C-3e). There are exceptions when the work to the property is worth less than $1,000. You’ll need to show proof of four years of experience, but up to three years of education at an accredited college can satisfy years of experience. You must show proof of worker’s compensation insurance and will need to show proof of a bond. To meet all carpenter license requirements, you must pass the trade exam, as well as the business and law exam.

New Jersey

Contractors in New Jersey fall are classified as home improvement contractors, who remodel, alter, paint, repair, renovate, restore, move, demolish or modernize a structure. This includes the construction, improvement or repair of patios, fences, porches, windows, doors, cabinets, and more. All home improvement contractors must register with the New Jersey Division of Consumer Affairs. There is no state license, but may be local licensing requirements.

New Mexico

As a Contractor, you may fall under the category of general contractor which would need a state license to work in New Mexico. You’ll need to check the specific classification of license you’ll need depending on the work you do. This may include GB-2 Residential or GB-98 General Building. You’ll need to show proof of experience (two to four years, depending on the classification) and you’ll need to pass a trade exam, as well as a business and law exam.

New York

New York state does not require contractors to hold a state license in order to work. However, there are local contractor license requirements and you must check these with the local governments before you begin work.

North Carolina

As a contactor, you’ll fall under the label of general contractor or specialty contractor, and will require a state license to work in North Carolina if your work totals $30,000 or more. A residential contractor does work in the construction of residential units. A specialty contractor includes interior construction, such as flooring and finishing, window and door installation, cabinets, and more. You must pass an exam to be awarded the license from the North Carolina Licensing Board for General Contractors.

North Dakota

North Dakota will require a state license for any work worth more than $4,000. A contractor includes anyone who constructs, repairs, alters or dismantles buildings or any other structure, as well as the improvement of real or personal property. There are four classes of license, depending on the scope of the work you plan to do. The license is awarded by the Secretary of State. You’ll need to show proof of general liability and worker’s compensation insurance.

Ohio

Carpenters do not need a state license to work in Ohio. However, you must check local carpenter license requirements before you begin work.

Oklahoma

Oklahoma does not license general contractors. However, licenses are required for electrical, mechanical, and plumbing trades. In addition, depending on the size of a construction site, general contractors may be required to apply for permit to discharge storm water.

Oregon

Oregon says you’ll need a construction contractor license from the Oregon Construction Contractors Board before you can work in the state. Carpentry is listed as a profession that involves improvements to real estate and which requires a license. You can apply for a residential license, commercial license or residential and commercial dual license. You’ll need to provide proof of general liability and worker’s compensation insurance. You also need to undertake pre-license training and pass a test.

Pennsylvania

There is no licensing requirement for carpenters in Pennsylvania; however, any contractors who do at least $5,000 worth of home improvement work per year, must register with the Attorney General’s Office.

Rhode Island

There is no state licensing requirement for carpenters in the State of Rhode Island. However, as someone who may do commercial construction, home construction, alterations, remodeling or repairs to properties, you must register with the Contractors’ Registration and Licensing Board. You must complete five hours of pre-education courses and must show proof of liability insurance.

South Carolina

The South Carolina Residential Builders Commission does not require a carpenter to be licensed by the state; however, as a carpenter, you’ll need to register with the South Carolina Department of Labor, Licensing and Regulation.

South Dakota

As a carpenter, you won’t need a state license to work in South Dakota; however, there are carpenter license requirements on the local level so make sure to check these before you begin to work.

Tennessee

A Contractor in Tennessee requires a home improvement license for any remodeling work on existing residential homes that are worth between $3,000 and $24,999. This includes repairs, replacements, remodeling, alterations, conversions, modernization, improvements or additions to any land or building. You must show proof of insurance, proof of experience, and a surety bond. This license applies to counties that have adopted the law, including Bradley, Davidson, Hamilton, Haywood, Knox, Marion, Robertson, Rutherford, and Shelby counties. Jobs worth more than $25,000 require a contractor license and will require proof of insurance. You’ll also need to pass a trade exam, as well as a business and law exam.

Texas

As a contractor, you won’t need a state license to work in Texas; however, there may be local Texas carpenter license requirements so make sure to check with your city/county before you begin work

Utah

As a contractor in Utah, you’ll fall under the trade classification S220 Carpentry Contractor and will need a state license to work. The contractor license is awarded by Utah Division of Occupational and Professional Licensing. You’ll need to show two years of experience in the past ten years, as well as proof of worker’s compensation insurance and general liability insurance. You will be exempt from needing a license if the work you do values less than $3,000.

Virginia

As a contractor in Virginia, you’ll fall under the Residential Building Contractor classification which includes Home Improvement Contracting. There are three classes of licenses – A, B or C – depending on the value of the projects you plan to work on. Class A licenses are restricted to individual projects worth up to $10,000 and up to $150,000 per year. You must show two years of experience. Class B licenses are limited to individual projects of up to $120,000 and up to $750,000 per year. You must show three years of experience. Class C licenses are unlimited. You must show five years of experience. You’ll need to complete a pre-license education course approved by the Board of Contractors and you must pass an exam.

Washington

There are no state license requirements, but specialty contractors must register with the Washington State Department of Labor & Industries. You’ll need to show proof of a $6,000 surety bond and general liability insurance.

West Virginia

As a carpenter, you’ll need to hold a state license to work in West Virginia on any projects worth more than $2,500. Finish carpentry (058) is considered an untested specialty, which requires a business and law exam only. The license is awarded by the WV Division of Labor.

Wisconsin

As a contractor, you’ll need a Dwelling Contractor Qualifier license to work in Wisconsin. This covers construction on residential, commercial or public works projects, including alterations and improvements, worth more than $1,000. You’ll need to complete an approved 12-hour pre-licensure course and pass a test. You must show proof of financial responsibility and proof of general liability insurance and worker’s compensation insurance. The license is awarded by the Department of Safety and Professional Services.

Wyoming

Wyoming has local carpenter license requirements so make sure to check these before you begin work.
This information is provided as a service. To the best of our knowledge, it is correct and up-to-date; however, it is not expected to be taken as legal advice and you must always check the requirements on both a state level and a local government level before you start any work.