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 Contractors face a wide variety of risks every day—working at heights, handling heavy machinery, transporting equipment, and managing subcontractors. With so many potential hazards, having the right insurance is crucial. But selecting contractor insurance isn’t just about picking a policy; it starts with understanding your risk profile through a careful risk assessment.
Risk assessment helps contractors identify vulnerabilities and choose coverage that truly protects their business from unexpected financial losses.
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 Running a business involves planning for growth, managing daily operations, and preparing for the unexpected. While many owners secure property insurance to cover physical damages from disasters like fires or storms, they often overlook another critical layer of protection: business interruption insurance.
This coverage ensures that if your business operations are disrupted by a covered event, your income and financial stability remain protected.  Each year, Medicare’s Annual Enrollment Season, from October 15 through December 7, gives beneficiaries the chance to review and update their coverage. With so many options, rules, and deadlines, it can feel overwhelming—but it doesn’t have to be. Whether it is your first time or you are seeking a trusted advisor, Desmond Insurance is here to educate and guide. We believe confident, informed decisions about healthcare coverage should be easily accessible and straightforward.
 Your home insurance policy provides critical protection against risks like fire, theft, and liability claims. But what happens if the costs of a claim exceed your policy limits? A single lawsuit or accident can easily surpass standard coverage, leaving you financially exposed. That’s where umbrella insurance comes in—it extends your protection and adds a powerful safety net for your assets.
 When you hit the road, you trust that other drivers are carrying the insurance required by law. Unfortunately, that isn’t always the case. Millions of drivers across the U.S. are either uninsured or underinsured, meaning their coverage won’t be enough to pay for damages if they cause an accident.
That’s where Uninsured/Underinsured Motorist (UM/UIM) coverage comes in. It’s an often-overlooked but critical addition to your auto insurance policy that protects you financially when other drivers can’t. |
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