Straight talk about business insurance.
The questions I get asked all the time — what a certificate actually is, why your work comp jumped, how to start a business the right way — answered in plain English. No jargon, no sales pitch. Send these to anyone who needs them.
For contractors
Contractor Insurance 101
What's required, how it works, and where things go wrong — coverages, certificates and subs, audits, your experience mod, and how to start a contracting business in Utah & Idaho.
Read the guide ↳For restaurants
Restaurant Insurance 101
The coverage that matters and the gaps owners miss — work comp and the state-fund escape, liquor liability, food spoilage, the year-end audit, and how to start a restaurant.
Read the guide ↳For everyone
What's a certificate of insurance, really?
Additional insured, waiver of subrogation, primary & non-contributory — what the words mean, and what to do when a GC asks for them.
Read it ↳For everyone
Why your work comp costs what it does
Experience mods, class codes, pay-as-you-go, and the specialized credits a lot of owners never hear about — in plain English.
Read it ↳For everyone
A simpler way to think about insurance
Insure the big stuff, take your risks on property, mind the gaps between policies, and protect your record — the few ideas that decide almost everything.
Read it ↳I'm building this library so I can send you a straight answer the moment a question comes up — and so you can hand it to anyone who needs it. More on the way. In the meantime, just ask me.
Text me a question — 208-557-8860 ↳