Understanding the “Your Work” Exclusion in General Liability Insurance
Most standard commercial general liability policies contain a “Damage to Your Work” exclusion. It is one of the least understood provisions in the form, and
General Liability Insurance for Kitchen Exhaust Cleaners: The Basics
Commercial kitchen exhaust cleaning is a specialized trade with an unusual risk profile. Contractors work around cooking appliances, live electrical components, rooftops, exhaust fans, ductwork,
Workers’ Compensation for Hood Cleaners: State Rules, Customer Contracts, and Ghost Policies
Kitchen exhaust cleaning carries real employee-injury exposure. Crews climb ladders, access rooftops in the dark, work around slippery surfaces, handle strong degreasers and caustic chemicals,
W2 vs 1099 Contractor Insurance: Employee or Subcontractor, and Why It Matters
Many contractors run jobs with a mix of employees and subcontractors. From an insurance standpoint, the difference between the two is significant. Whether a worker
Kitchen Exhaust Cleaning Insurance: The Coverages That Matter Just as Much as General Liability
A serious kitchen exhaust cleaning claim rarely arrives with one simple allegation. Following a restaurant fire, a claimant might argue that the system was inadequately
What is a Waiver of Subrogation?
When you purchase a General Liability policy, the insurance company often reserves the right to “Subrogate” in the event of a covered claim. In other