Must Have’s For Contractor Insurance in Texas

Insurance for Contractors

The construction industry can be a complicated, highly mechanized operating environment. It’s because of this that safety regulations are so strictly followed. Within the State of Texas, any contractor or construction company needs to have contractor insurance if it hopes to protect itself against damage and injury claims.

Now, Contractor Insurance varies a little bit from other types of insurance cover, and it’s important for people, especially those working in the industry to understand exactly what the law sets down in their regard. Towards that end, here’s a brief look into Contractor insurance.

While this insurance type will cover contracting and construction businesses against liabilities arising from personal injury, false advertising, slander, and damage, there are two main categories of policies issued under this type of policy occurrence and claims-made. It’s important to understand the difference between the two.

1. Occurrence Liability Policies

These policies will cover damage or injuries that occurred while the policy was still in effect. Even if the injured party makes their claim after the policy has expired, if the incident occurred while it was still active, it will be honored.

Occurrence-based policies are significantly more popular among businesses as they offer relatively simpler, more complete coverage. The downside here is that they will tend to be somewhat more expensive regarding premiums because claims can be paid out even long after a policy has expired

2. Claims-Made Liability Policies

These are policies that will cover damage or injury claims that occur while the policy is in effect. The point to note with this type of policy is that the claim must be made while the policy is still in effect for it to be honored. Should the claimant allow the policy to expire before making their claim, it shall not be honored.

Even though the premiums to be paid with this type of policy are relatively lower due to the specific time-window in which claims can be made, this model still doesn’t appeal to most businesses because it means that should a claim be made after the policy period is over, the business might be forced to pay out of its own pocket.

What many organizations will do is pair-up their claims-based policies with extended coverage instruments such as Run-Off Coverage and Prior Acts. These instruments are designed to cover the business against claims made after a policy ends, and before it took effect, respectively.

Every company operating in Texas should look at the options before them properly by consulting with reputable agents. They will be able to guide them in making the very best choice for their business.

SEO for Contractors and the Construction Industry


Contractor Marketing

When you are starting out, you assume that you just need to get a website up – and the money will begin to roll in. In this day, with the recession rolling along it’s a nice thought. But don’t be taken in by that thought. It takes work, and if you have no idea what is going on online when you first begin-well, realize you have a learning curve to conquer. So let’s look at the basics of your website.

When constructing a website, there are certain elements that are becoming more and more important in the eyes of Google. It’s SEO and your website formatting that is now, more than ever, becoming intertwined. So, what does that mean for the individual putting up a website? Let me explain.

First, when constructing your website, you should try to be aware that the data should:

1. load quickly
2. navigation should be easy to follow for human and search engine alike
3. sitemap should be descriptive and accessible

Check out this California contractor license bond company who does an excellent job with their load time and sitemap creation. Their bid bond page does a fine job of highlighting the most essential elements of contractor SEO.

Why should you look at these three elements? These three elements can help your website to become more accessible to the search engines. Let me explain.

Is your website Loading Quickly?

When you construct a page, you should always ask yourself-“Is my web page loading fast enough for the user? Why? Load speed is beginning to gain more emphasis in the eyes of Google. Which means, they are going to include this in their algorithm of elements to consider when measuring page rank.

They feel that page load speed can offer the user a greater experience, and you, the webmaster, a better opportunity to make money. Thus, take the time to test your web pages before you put it online. It will save you time, with rework. (Please note: load speed alone will not give you revenue, but it does give users an opportunity to view your content).

Contractor Website Navigation and Sitemap

Website navigation should easily direct the user to where they want to go on your site. If the navigation is confusing-know that the user will only click away, and look elsewhere. And, it can hurt you with the search engines. Why?

Both website navigation and your sitemap can open the door to both, users and the search engines. They both, if you have presented the information in an understandable hierarchical way, can lead to Google giving
you a breadcrumb in the Serps. A breadcrumb is an added link, under the main link to entice the user to your site.

Though I have directed my conversation toward the structure of your website, in fact, I was indirectly
talking to you about SEO. This is one important part of advertising your site online. Why? It helps your website to be seen, to get traffic and if your content is of quality, revenue.