Risk Averse Insurance

06/02/2026

Construction Companies - Is your additional insured coverage actually doing its job?
Let’s be real: additional insured status gets thrown into almost every contract, but most people don’t fully get how it works… until a claim shows up and things get messy.
Owners ask GCs for it. GCs push it down to subs. But too many times, the wrong endorsements, missing “primary and non-contributory” wording, or just trusting a Certificate of Insurance leaves everyone exposed.
Our new blog breaks it down in plain English:
✅ CG 20 10 vs CG 20 37
✅ Why “primary and non-contributory” is a must-have
✅ How to actually verify this stuff before the job starts
Check it out here 👇

Additional insured status is one of the most requested—and most misunderstood—requirements in construction contracts. Owners require it from general contractors,...

05/22/2026

As your net worth grows, you should be carrying higher limits of liability insurance. A general rule of thumb is for every dollar of assets you have, you should carry a dollar of liability.

The Main Line communities in Delaware and Montgomery Counties – Bryn Mawr, Radnor, Haverford, Gladwyne, Villanova, and Lower Merion – embody refined living with...

03/04/2026

GCs—before you sign your next contract, slow down and read the fine print.
Some “standard” contract clauses quietly push major risk onto you, including:
• No‑damages‑for‑delay language
• Broad “hold harmless” provisions
• High liquidated damages
• Site condition disclaimers
These clauses can wipe out profit fast—even when problems aren’t your fault. Catching them before signing can save serious time, money, and headaches down the road.
A profitable job often starts with a smart contract review.
https://riskaverseinsurance.com/blog/four-construction-contract-red-flags-every-general-contractor-should-catch-before-signing/

12/15/2025

What to do when stuck in your vehicle during a winter storm. ☃️

03/10/2025

Stop by and see Don and Blaise at the Penn-Del ISA Tree Symposium. How long do you think you could hang? Current leader 3:05!

03/28/2024

Thanks PennDel ISA for having us this week! It was a great event with a lot of great people! 🌳

03/25/2024

“Hangin” at the PennDel ISA Shade Tree Symposium. 🌳

02/29/2024

🏠 ATTENTION HOMEOWNERS! 🏠

Have you recently upgraded your home? 🛠️ It could lead to significant savings on your insurance premiums! One of our valued clients replaced their roof, and their insurance carrier slashed their premium by $500 annually! 💰✨

If you haven't seen similar benefits from your provider, it's time to talk to your insurance agency. You might be missing out on potential savings! 🤔💸

Don't hesitate to give us a call if you want to explore how your recent home upgrades could translate into lower premiums and better coverage. We're here to help you make the most of your investment in your home! 📞🏡

02/15/2024

Insurance premiums in the area are up big time! The Philadelphia area has seen some of the highest rate increases in the country. Give our team a call if you are looking for some alternative options to your current policies.

The average full-coverage premium costs in the Philadelphia metro area jumped 154% this year from $1,872 to $4,753.

02/06/2024

Even though they lost, we had a fun night at the Sixers game! 🏀