Policy review
Send us what you've got. We'll tell you what it's missing.
Upload the declarations pages from your current policies. We read them the way we read our own, then call you with what we found. No switching required.
The upload
Send the dec pages
Serving businesses located in Colorado.
What happens next
Three questions we'll ask
- Who asked for the certificate, if anyone? The GC's exhibit tells us more than the policy does.
- What changed since you bought this? New machine, new truck, added plowing, dropped a crew, subbed more out.
- What are you actually worried about? Sometimes the answer is nothing and you just want a second read. That's fine.
Rather talk it through first
(720) 529-0300Business hours, Mountain time. If we're on a machine when you call, we call back.
What a dec page tells you
The gaps we find most
Two things to know about a dec page. It tells you what you bought, and it tells you what nobody asked about. The second one is where the claims come from.
- Hired and non-owned auto is missing.
A crew member drives their own pickup to the job, hits somebody, and the claim comes to you. Most standard commercial auto policies only cover the vehicles you scheduled unless this endorsement is on. Commercial auto.
- Equipment scheduled at the 2019 purchase price.
A machine you bought used six years ago is on the schedule at what you paid. Replace it after a fire or a theft off a remote lot and the check is written to the schedule, not to the machine. Equipment coverage.
- Snow operations not disclosed on a landscaping GL.
The general liability was written for a landscaper. The plowing started later. The slip-and-fall claim lands on a policy that doesn't know you plow. Snow removal.
- The XCU exclusion on an excavator's GL.
Explosion, collapse, underground. Three words that describe your whole trade, excluded. General liability.
- The plow truck on a personal auto policy.
Business-use exclusion, plow blade, and a commercial contract. That claim gets read very carefully.
- Contract requirements the policy can't meet.
Primary and non-contributory, waiver of subrogation, a $5M umbrella for a municipal job. You signed the exhibit; the policy doesn't say what the exhibit needs it to say. The terms, defined.