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Practical Guidance for Contractors
Working documents and articles about things that come up in a contracting business before a renewal, a project or a loss. Start with the Contractor Renewal Checklist.
Start Here
Contractor Renewal Checklist
What to confirm on operations, payroll, vehicles, equipment, subcontractors, contracts and claims before a renewal proposal arrives.
Articles
Articles by Wendy Carter
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Renewal Preparation
What to Settle Before Your Insurance Renewal
A renewal is the one point in the year when coverage is supposed to catch up with the business. Here is what to confirm before you sign anything.
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Subcontractor Documentation
Why a Certificate on File Is Not a Compliance Process
A certificate is a snapshot of one date. What happens after that date is either your tracking process or nobody at all. What the document confirms, and what it does not.
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Fleet & Equipment
What Belongs on a Vehicle and Equipment Schedule
Most owners know what was on the schedule the day they bought the truck. Two years later is the harder question. What to record, and what happens when it drifts.
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Property Documentation
What to Document Before a Property Loss
After a serious loss, the records kept inside the building are usually gone with it. What to capture while nothing has happened, and why valuation terms decide what the documentation has to prove.
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Growth
What Growth Does to an Insurance Program
Revenue, payroll, fleet, contracts and ownership rarely grow at the same speed, and an insurance program built for a smaller company does not simply scale with them.
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Oilfield & Energy
Insurance Requirements in Oilfield and Energy Service Work
Master service agreements, certificate obligations, fleet exposure and pollution coverage. Where energy service work differs from other field-based contracting.
Documents
Working Documents
Four documents built from the articles. Each one is available as a PDF after a short request.
Contractor Renewal Checklist
What to confirm on operations, payroll, schedules, contracts and claims before a renewal proposal arrives.
Fleet and Equipment Guide
Records to keep, blank vehicle and equipment schedule templates, and the questions worth asking at renewal.
Subcontractor Compliance Guide
Requirements to define in the agreement, records to keep per policy, a blank tracking template and a review workflow.
Claims Readiness Guide
Blank inventory and equipment templates, a photo checklist, an off-site contact sheet and a first-72-hours list.
Next Step
Questions Are Better Than Articles
If something here applies to your company and you want to know how it plays out in your program, that is a conversation rather than a download.
Direct line: 806-274-0382. Email: wendy@luxestoneinsadvisors.com.