Have you been thinking about getting your contractor’s license? It is important for contractors to be equipped with a guide to becoming official in Missouri, even from a government standpoint, so you are prepared and protected. Obtaining your contractor’s license levels up your career and makes you official as a professional contractor. A license is […] Read More

Posted by Tim Sine in: Contractors Insurance

Tagged: Contractor Contractor Insurance Guide to Becoming a Contractor MO Contractor

Today’s advanced technologies allow many job site workers to easily report hazards or site safety conditions in the field, in real-time. A robust, cloud-based record of job site hazards and risk management practices is now at our fingertips. However, the construction industry still primarily relies on some sort of manual processes to monitor site operations […] Read More

Posted by Tim Sine in: Contractors Insurance

Tagged: construction industry construction liability Construction site safety incident reporting technology in construction

It is time to open the windows and enjoy the fresh air of spring. Have you already done your spring cleaning? There is more to spring home maintenance than deep cleaning and organizing. Here is a checklist to help you prepare for the change in seasons. Examine the Roof Are you comfortable on a ladder? […] Read More

Posted by Tim Sine in: Homeowners Insurance

Tagged: Home Insurance home maintenance Homeowners Insurance Spring spring cleaning Spring Cleaning Checklist

Indoor allergens can easily trigger symptoms for many seasonal allergy sufferers. Allergens are carried through the air and can be found on just about any surface around the house. It is impossible to keep a home 100% allergen-free, but there are certain things you can do to help reduce the number of allergens you’re exposed […] Read More

Posted by Tim Sine in: Homeowners Insurance

Tagged: Allergen Allergen Removal Allergens in your home Spring Allergens

If someone becomes injured at your home due to any kind of unintentional mishap, the liability provision of your homeowners’ insurance policy generally will cover any personal injury claim. Even if your guest files a personal injury lawsuit against you, you’re still entitled to protection under your policy. Here is what to do if there […] Read More

Posted by Tim Sine in: Homeowners Insurance

Tagged: Home Insurance Home Insurance Coverage Homeowner Liability Injured Guest Injury Liability

A productive accident investigation focuses on identifying flaws in the process leading up to the incident and the safety procedures that were meant to prevent it from occurring. The goal is to implement the knowledge you gain to prevent another incident from occurring in the future.  Immediate Response  First, notify emergency responders, attend to injuries […] Read More

Posted by Tim Sine in: Workers Compensation

Tagged: Accident Investigation Workers Comp Workers Compensation

The Occupational Safety and Health Administration (OSHA) monitors job-related injuries and disciplines employers with higher injury rates than other employers in their industries. Employees often are reluctant to report injuries at work since they fear repercussions. However, it’s vital to encourage employees to report injuries because when they are not reported, dangerous situations and practices […] Read More

Posted by Tim Sine in: Business Insurance

Tagged: Employee Risk Management Employee Safety Program Workers Compensation

In the frigid winter months, whether you’ll have to deal with frozen pipes is not a question of “if” but “when”. If you’ve found that your pipes have frozen over, thawing them out safely is crucial to ensure that you do not cause further damage to your pipes or even your home. How you thaw […] Read More

Posted by Tim Sine in: blog Homeowners Insurance

Tagged: Frozen Pipes home insurance MO Homeowners Insurance homeowners insurance MO Winter Home Safety

Perfection isn’t a reality, which is why liability insurance is important. You can avoid financial ruin if you accidentally cause major injuries or property damage to others. The problem is, your insurance isn’t perfect, either. That’s where a personal umbrella insurance policy comes in. If you’re sued for damages that exceed the liability limits of […] Read More

Posted by Tim Sine in: blog

Tagged: Personal Insurance Personal Umbrella Insurance Sine Insurance Umbrella Insurance