Overspray: A Power Washing Nightmare

You name it and I am pretty sure we have seen it.  Unfortunately, overspray happens, and it happens a lot; even when you take the best precautions and think you have crossed every “t” and dotted every “i” in containment.  … Read More....

Understanding Additional Insured Endorsements

When a client requests to be named as an Additional Insured on your insurance policy, do you understand what they are asking for?  Does the endorsement do what you think it does? This article will help explain the Additional Insured … Read More....

Insurance Claims Reported in August 2017

For several months, we have been publishing the types of insurance claims that we handle each month at Joseph D. Walters, to help bring awareness to the dangers contractors in the mobile cleaning profession face. We hope by knowing the … Read More....

Pollution Exclusion Commercial Auto Policies

The auto liability section of the standard commercial auto policy contains broad pollution exclusion. The pollution exclusion applies to bodily injury or property damage that arises out of the discharge, release or escape of pollutants. It consists of the following:… Read More....

Do You Need Garage Keeper’s Insurance?

Does your business do fleet or vehicle washing? If so, it might be time to consider garage keeper’s insurance. Garage keeper’s coverage provides protection for damage to customer’s vehicles due to the insured’s legal liability.

What Does Garage Keeper’s Insurance

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Janitorial Service Bond: What You Need to Know

Are you or any of your employees entering a customer’s home, warehouse or place of business?

If so, you should consider purchasing a Janitorial Service Bond. This bond quickly and easily provides protection for you and your customers. Hopefully you … Read More....

July Claims From Joseph D. Walters

At Joseph D. Walters Insurance, we strive to keep the mobile cleaning industry safer. We handle claims every day that you might never think of, until they happen to you. We want to make all professional washers aware of these … Read More....

Knowing the Difference: Employee vs Subcontractor

Do you have employees without knowing it? How could you not know, right? They obviously aren’t working for you without your knowledge.  You know they are there.  You just might not know that they are an employee of yours.

Due … Read More....

24% of Small Businesses Don’t Use Social Media. Are You One of Them?

In 2017, it is hard for many to imagine a world without the internet or use of social media. Due to this, it may come as a surprise that nearly ¼ of all small businesses have no social media presence. … Read More....

Why You Should Choose an Independent Insurance Agent

As an entrepreneur, you’re naturally driven and focused. You’re an expert in your business, but there are times when it makes more sense to delegate. You don’t need to make insurance decisions on your own or pick a generic policy … Read More....