Garage door companies occupy an interesting position in the contractor and home-service marketplace. A garage door company can look like a relatively straightforward service business from the outside. Technicians install doors and operators, replace springs and components, troubleshoot systems, and…
Property restoration contractors operate in an unusual environment. Their customers rarely call when everything is going well. A restoration company is typically entering a property after something has already gone wrong—a water loss, fire, storm, sewage backup, mold concern, or…
A landscaping company can change dramatically as it grows. What may have started with an owner, a truck, and a small crew can develop into an operation with multiple teams working across dozens of customer locations each day. The company…
General contractors sit at the center of a complicated network of risk. Employees. Subcontractors. Project owners. Architects. Engineers. Suppliers. Vehicles. Equipment. Contracts. Jobsites. As projects become larger and the company grows, the general contractor assumes responsibility for coordinating more of…
Providing residential services to individuals with intellectual and developmental disabilities creates a risk profile unlike most other businesses. Employees aren’t simply working at a company location. They are providing care and supervision, assisting individuals with daily activities, administering or supporting…
Asphalt and paving contractors operate in an environment where relatively routine work can create significant losses. Employees work around moving equipment and traffic. Crews operate pavers, rollers, skid steers, loaders, dump trucks, and other heavy equipment. Commercial vehicles move between…
A successful pest control company can grow quickly. But as the operation expands, so does the company’s exposure to loss. More technicians. More service vehicles. Larger routes. More customers. Commercial accounts. Specialized treatments. Additional locations. A pest control business with…
Growth changes an electrical contracting business. And often, significantly more financial exposure when something goes wrong. More electricians. More service vehicles. Larger projects. More equipment. More subcontractors. Greater contractual requirements. The insurance program that worked when your company was running…
Growth changes a plumbing company. A few service vehicles become a fleet. A small field team becomes multiple crews. Residential service work expands into larger commercial projects. Equipment inventories grow. Contracts become more complicated. Payroll increases. Supervisors take on more…
Growth is usually a good problem for an HVAC contractor to have. But every one of those changes also creates risk. More service calls. More technicians. More trucks. Larger commercial projects. More equipment. Bigger customers. The insurance program that worked…
