Resources · Coverage explained
Coverage explained: the long answers.
Every article here is written from the seat, cites the statute where there is one, and ends with the honest tradeoff.
Topic
14 articles on coverage explained
- Coverage explained · 8 min read
Builders risk vs installation floater: which one covers the pallet of pavers
Three pallets of wall block on a Castle Rock lot over the weekend. Builders risk insures the structure. The installation floater insures your materials. Read the article - Coverage explained · 9 min read
You rented the excavator. Who pays when it goes in the pond?
The rental agreement makes the machine your problem from pickup to return. What the yard's damage waiver does, what rented equipment coverage does, and the gap. Read the article - Coverage explained · 8 min read
Your crew drives their own trucks to the job. Here's the gap.
Your crew drives their own pickups to the job. Their personal auto goes first, at their limits, if it responds at all. What hired and non-owned auto does. Read the article - Coverage explained · 10 min read
The state-created insurer and the private market: how Colorado comp actually gets placed
How Colorado workers' comp gets placed: the state-created insurer with a duty to offer coverage, the private carriers that choose, and what moves an account. Read the article - Coverage explained · 10 min read
Reading your own dec page, line by line
The declarations page is the policy in one sheet. Named insured, limits, classifications, forms schedule, endorsements: what each line says and what to check. Read the article - Coverage explained · 9 min read
Umbrella: when $1M/$2M stops being enough
Two ways a $1M/$2M GL runs out: one bad occurrence, or a year of additional insured tenders eating the aggregate. What an umbrella does and how to size it. Read the article - Coverage explained · 9 min read
What to send us for a quote (and why we ask for it)
What we ask for before quoting a Colorado dirt or snow outfit: dec pages, loss runs, payroll by class, equipment with values, VINs and radius, contracts, subs. Read the article - Coverage explained · 8 min read
Why we don't quote online, on purpose
No online quote for excavation, landscaping, or snow work, on purpose. A form can't ask the follow-up on class codes, XCU, snow, or radius. The mechanics. Read the article - Coverage explained · 9 min read
Class code 0042 and friends: how your crew gets rated
Workers comp class code 0042 and landscape gardening. How the governing class, payroll splits, standard exceptions, and plow season set what your crew costs. Read the article - Coverage explained · 8 min read
Workers comp in Colorado starts at one employee. Seasonal counts.
Colorado requires workers comp the day you hire your first employee, part-time or seasonal, family or not. The statute, the fine, and what a small outfit does. Read the article - Coverage explained · 9 min read
25/50/15 is legal. It is not a commercial auto policy.
Colorado's 25/50/15 minimum keeps you legal. It does not keep a loaded dump truck insured. Split limits vs CSL, hired and non-owned, and the plow truck. Read the article - Coverage explained · 8 min read
Scheduling your equipment: why the number from 2019 will cost you in a claim
Your equipment schedule pays what you wrote down, not what the machine is worth. Scheduled vs blanket, replacement cost vs ACV, coinsurance, and the Bell truck. Read the article - Coverage explained · 9 min read
The workers comp audit: what they ask for and how to not get surprised
The workers comp audit is where the estimate meets real payroll. What the auditor asks for, how subs and owners get counted, and what to keep all year. Read the article - Coverage explained · 7 min read
XCU: the three letters that decide whether your GL works on a dig
What XCU coverage is: explosion, collapse, and underground damage, why some GL forms exclude all three, where the line hides, and what it means on a dig. Read the article
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