Farmer Brown Page # 2


Certificate of Insurance

Business entities sometimes need to transfer risks to another entity. This is especially true of sub-contractors who take on jobs governed by a larger contractor, also known as a general contractor. The proof you need to make sure that you are safe, should you and the...

Employee vs Sub Contractor

Smaller contractors generally have a limited understanding of how classifying workers as either employees or subcontractors affect the various types of insurance. This simple distinction can land you in proverbial quicksand and before you know it your overhead. This...
Restaurant Insurance

Restaurant Insurance

Restaurants carry a significant cost to the owner in terms of rent, as well as acquiring space, equipment, general food, and other supplies. Depending on your financial muscle, the business is either funded by a financial institution such as a bank, or your savings....
Vacant Home Insurance

Vacant Home Insurance

According to insurance providers, a vacant home is a house left unoccupied for 30 to 60 consecutive days. Such a home is exposed to burglary, vandalism, or damage by natural causes. Unoccupied houses contain personal effects and property, whereas vacant homes do not....
What is a Bid Bond?

What is a Bid Bond?

 What is a Bid Bond? Welcome to part 1 of our 2 part educational series on Bid Bonds Bid bonds are not an insurance policy, they are a written guaranty from a third party guarantor like a surety company or insurer. A guaranty is submitted to a project owner by a...

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