http://www2.remodeling.hw.net/management/legal/insurance/insurance.aspx?view=rss&id=Query_tcm1765815http://www2.remodeling.hw.net/insurance/insurance-101-brokers.aspx?rssLink=Insurance+101In a tough economy, it may be tempting to cut corners on insurance spending, but that may not be the best idea.http://www2.remodeling.hw.net/insurance/risky-business.aspx?rssLink=Risky+BusinessIf you're increasingly using trade partners on projects, make sure you keep up with insurance.http://www2.remodeling.hw.net/overhead/truck-allowance.aspx?rssLink=Truck+AllowanceOne remodeling company finds that providing an allowance for employee vehicles ensures upkeep and maintenance.http://www2.remodeling.hw.net/operations/restoration-frustration.aspx?rssLink=Provost1%3aRestoration+FrustrationRestoration is a complex business and might be outside of a remodeler's sweet spot, but there is a way to participate.http://www2.remodeling.hw.net/insurance/beware-self-insurance.aspx?rssLink=Beware+Self-InsuranceCaptives may save you more money than risky self-insurance groups.http://www2.remodeling.hw.net/design/the-independent-designers-liability-dilemma.aspx?rssLink=Harrell3%3a+Design%2fBuild+LiabilityAn independent designer asks about his liability exposure, and a top design/build company provides strategies for minimizing risk.http://www2.remodeling.hw.net/insurance/insurance-savings.aspx?rssLink=Insurance+SavingsIt is possible to be proactive about insurance without being foolhardy or putting your company in jeopardy.http://www2.remodeling.hw.net/insurance/risky-bidness.aspx?rssLink=Risky+BidnessStrong safety record, high workers' comp premiums? Shop your policy around.http://www2.remodeling.hw.net/insurance/covering-all-bases.aspx?rssLink=Covering+All+BasesErrors and omissions insurance protects companies from claims if a client holds it responsible for errors or the failure of the work to perform as promised in the contract. Independent insurance consultant Scott Simmonds compares it to malpractice insurance for physicians.http://www2.remodeling.hw.net/warranties/peace-of-mind.aspx?rssLink=Peace+of+MindMost companies guarantee their work, but Jonathan McGrath Construction takes it a step further. For the past five years, the Orlando remodeler has enlisted the services of Bonded Builders, an insurance and underwriting company that backs up a contractor's warranty.http://www2.remodeling.hw.net/safety/injuries-cut-deeper.aspx?rssLink=Injuries+Cut+DeeperIf your company doesn't have a safety culture, start to develop one now, particularly if you anticipate any slowdowns.http://www2.remodeling.hw.net/insurance/are-you-covered.aspx?rssLink=Are+You+Covered%3fYour general liability insurance policy may cover less than you think. Don't be caught off-guard.http://www2.remodeling.hw.net/benefits/making-overtime-pay.aspx?rssLink=Making+Overtime+PayWhen employees work overtime, you are obliged to pay them time-and-a-half. That sounds expensive, but OT hours don't really cost 50% more than regular hours. In fact, under normal circumstances, overtime costs about the same as straight time.http://www2.remodeling.hw.net/insurance/retirement-plan-option.aspx?rssLink=Retirement+Plan+OptionThe 412(i) plan is a retirement investment option for small-business owners with a high, stable income who need to catch up on adding funds to their retirement savings.http://www2.remodeling.hw.net/insurance/workers-whomp.aspx?rssLink=Workers'+WhompIn April 2002, a laborer who had been with Dover Home Remodelers, North Olmsted, Ohio, for five months injured his rotator cuff. He went through rehabilitation and eventually had surgery, after which his physician said he showed “medical maximum improvement.”http://www2.remodeling.hw.net/insurance/driven-to-research.aspx?rssLink=Driven+to+ResearchInsurance is often reactive: have an accident, file a claim. But avoiding claims will keep your premiums down. So when it comes to auto insurance, remodelers must be proactive.http://www2.remodeling.hw.net/business/the-2007-big-50-measuring-up.aspx?rssLink=The+2007+Big+50%3a+Measuring+UpEvery year since 1986, we have devoted this issue to profiles of the Big50 -- owners of successful, growing remodeling companies of various sizes that are among the best in America. To select the Big50, we measure hundreds of candidates against an array of objective benchmarks, looking for those companies whose policies, performance, and best practices set the standards against which winning companies must compete. Meet the 2007 Big 50 inside...http://www2.remodeling.hw.net/business/ten-minutes-with-477439.aspx?rssLink=Ten+Minutes+With...David Nachbar of Bausch and Lomb answers questions.http://www2.remodeling.hw.net/insurance/local-forecast-healthy-policy.aspx?rssLink=Local+Forecast%3a+Healthy+PolicyHealth insurance prices have risen dramatically in recent years, to the point that coverage is nearly prohibitively expensive for small-business owners. Remodeling, and the construction industry as a whole, has always lagged behind in providing health insurance for its workers, and that problem is only getting worse as costs rise.http://www2.remodeling.hw.net/insurance/would-you-like-insurance-with-that.aspx?rssLink=Web+Extra%3a+Would+You+Like+Insurance+With+That%3fIt's inherent in the concept of total compensation that the cost of employee benefits will limit employee wages. Health insurance, in particular, is so expensive that the hourly cost to most remodelers is equal to as much as $4 per hour. So what do you do if an employee declines coverage and then asks for the money to be applied to wages?