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....

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....

Understanding the Impact of a Premium Audit

What is a Premium Audit?

An insurance premium audit is a provision in most business insurance contracts.  The purpose of the audit is to obtain the exact exposures and compare them to what was estimated by you.  The exposures will … 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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Hurricane Harvey Preparation Check

As hurricane Harvey threatens millions in Texas and the southeast this weekend, it is important to ensure you’ll be ready. This hurricane check will help you prepare and know what to do to in the event you need to evacuate.… Read More....

Licensing the Power Wash Industry: What Do I Need?

As a member of the power wash community, it likely doesn’t come as a surprise to hear that there are a variety of licensing and permits needed to operate a power washing business. Some states require special registrations and require … Read More....

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....

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....