ProRisk Insurance Services LLC

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ProRisk Insurance Services LLC We are the Blue Collar Insurance Specialists
Insurance for Contractors - Trucking - Cyber
Local - Family Owned - Just Like You

10/15/2026

Named insured and additional insured are not interchangeable.

The named insured is the policyholder.

An additional insured is a third party added for a specific purpose, with specific limits.

For contractors, that distinction matters in a claim.

A certificate may say someone was added.

But the endorsement language decides what that actually means.

Before assuming a contract requirement has been satisfied, make sure the policy wording supports the protection being requested.

Good documentation does not just help with operations.It can make a major difference when a claim is reported, reviewed,...
10/14/2026

Good documentation does not just help with operations.

It can make a major difference when a claim is reported, reviewed, or disputed.

Link in bio if you want your insurance process built before something goes wrong.

10/13/2026

A renewal should not start the week your bill arrives.

For contractors, too much can change in a year.

Payroll.
Revenue.
Vehicles.
Equipment.

Job types.
Subcontractor exposure.
Claims history.
Contract requirements.

When those details are reviewed early, the renewal can be managed strategically instead of rushed at the last minute.

Starting 90 days out gives time to gather documentation, approach the right markets, and fix issues before underwriters make decisions.

That is what proactive renewal management looks like.

Contractors do not only use company-owned vehicles.Employees drive, rent trucks, pick up materials, and move between job...
10/12/2026

Contractors do not only use company-owned vehicles.

Employees drive, rent trucks, pick up materials, and move between jobs.

That is why commercial auto coverage needs to match how the business actually operates.

Link in bio to review it.

10/09/2026

Claims history can affect more than your premium.

For contractors, prior losses can lead to non-renewals, declined quotes, or limited options in the standard market.

That does not always mean coverage is impossible.

It means the risk needs to be presented correctly.

What happened?
What changed?
What controls are now in place?
Which markets are willing to consider the operation?

Hard-to-place contractor coverage requires more than sending out applications and hoping someone says yes.

It requires knowing how to explain the risk, where to take it, and how to structure coverage that actually fits the business.

More insurance is not always better insurance.If the underlying policy is missing the right coverage, an umbrella may no...
10/08/2026

More insurance is not always better insurance.

If the underlying policy is missing the right coverage, an umbrella may not solve the problem.

Link in bio to make sure your limits are built on the right foundation.

10/07/2026

General Liability is not a catch-all policy.

A contractor can have GL and still have no coverage for stolen tools, damaged equipment, or gear that disappears from a job site.

That is where inland marine or tools-and-equipment coverage comes in.

It is designed for the property contractors actually use to do the work.

Tools.
Generators.
Equipment.
Materials in transit.
Job site gear.

Before assuming your business is protected, make sure the things you rely on every day are actually included in the coverage.

A lower renewal premium can look like an easy decision.But switching carriers is not always just a pricing move.The old ...
10/06/2026

A lower renewal premium can look like an easy decision.

But switching carriers is not always just a pricing move.

The old policy, the new policy, the policy type, the retroactive date, and any prior acts coverage all matter.

Without the right transition, a contractor can end up with a claim tied to old work that neither carrier wants to pick up.

That is the gap contractors usually do not see until it is too late.

This is why carrier changes should be reviewed before anyone moves policies for a better number.

10/05/2026

Switching insurance carriers at renewal is not always as simple as replacing one quote with another.

A lower premium may look good on paper.

But the transition matters.
Retroactive dates matter.
Prior acts coverage matters.

Occurrence versus claims-made wording matters.

And older completed work may still create future claims.

Before changing carriers, contractors need to know whether the new policy protects the past, whether the old policy still responds, and whether any gap is being created in between.

Price matters.

But policy timing can decide whether a claim is covered.

10/02/2026

Indemnification language is one of the most overlooked risk transfers in construction contracts.

A subcontractor may think they are just signing normal paperwork.

But that paperwork can shift liability onto them in ways their insurance may not cover.

Broad form.
Intermediate form.
Limited form.
Those differences matter.

And if the policy does not support the obligation you agreed to, the contractor may be left exposed.

Before signing a subcontract, make sure the insurance and the contract are actually aligned.

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Las Vegas, NV

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