What’s the difference between general liability and professional liability?

Think of general liability as protection for physical accidents (like a dog knocking over a display or biting someone). Professional liabilitycovers the services you provide (like grooming, training, or pet sitting) and protects you if someone claims you did something wrong.

Do I need insurance if I’m just a solo pet sitter or dog walker?

Yes, especially if you’re entering clients’ homes, handling their pets, or transporting animals. Even small operations face liability risk, and many platforms (like Rover) require proof of insurance before accepting sitters.

What types of insurance do pet businesses usually need?

It depends on the type of work you do—but most pet professionals benefit from a combination of coverage that protects against accidents, injuries, lawsuits, and property loss. Common types of protection include: Liability insurance(if a pet bites someone, or a client claims you caused harm) Property insurance(for floods, fires, or stolen equipment) Professional coverage(for claims related to grooming, training, or advice) Coverage for your employees(if someone gets hurt or takes legal action) Auto protection(if you use a van or vehicle for mobile services) If you’re not sure what applies to your business, we’ll help you figure that out.

Is roofing insurance required in California?

Yes. Licensed roofers must carry workers’ compensation insurance, even without employees. Most clients also require proof of general liability before awarding a job. California Contractors State License Board (CSLB): https://www.cslb.ca.gov/

What insurance do roofing contractors in California need?

Roofers typically need general liability, workers’ compensation, and commercial auto insurance. Depending on your setup, tools and equipment coverage may also be recommended.

Why is completed-operations coverage important?

Many roofing claims occur after project completion. This coverage protects you from post-job liabilities such as leaks or property damage.

How does SB 216 affect roofing contractors?

Beginning January 1, 2026, California Senate Bill 216 requires all licensed contractors — including one-person roofing businesses — to carry active workers’ comp coverage.

What does general liability insurance cover for roofers?

General liability covers property damage, bodily injury, and completed operations, including issues that arise after a roofing project is finished. Insurance Information Institute (III) guide

What is a Workers’ Comp Ghost Policy?

A Ghost Policy provides proof of coverage for sole proprietors or independent contractors with no employees, helping you stay compliant and qualify for more bids. More info

What does construction insurance cover?

Construction insurance helps protect your business from everyday risks (like property damage, jobsite injuries, or project delays) so you can focus on building, not worrying about what might go wrong.

What types of projects do you insure?

We insure everything from home remodels and roofing jobs to large commercial or public works projects. If you build it, we can help protect it.

Can you help small contractors or one-person businesses?

Absolutely. We work with independent contractors and small construction companies to find policies that match their size, budget, and project needs.

How much does construction insurance cost?

The cost depends on your trade, crew size, equipment, and project type. We’ll help you compare options and find affordable coverage that fits your budget without cutting corners on protection.

How do I get a construction insurance quote?

Getting started is easy! Call us or request a quote online. We’ll walk you through your options and help you find coverage that keeps your business protected and moving forward

Do you help with local requirements and certificates of insurance?

Yes. We make sure your insurance meets city and project requirements and provide quick, accurate certificates so you can start work without delay.

Why do contractors need insurance?

Most projects require proof of insurance before work can begin. The right policy protects you from lawsuits, accidents, and unexpected costs, keeping your business compliant and your clients confident in your professionalism.

What is contractor liability insurance?

Contractor liability insurance (also called general liability ) covers accidents or property damage that happen on the job. It’s the foundation of protection for general contractors, remodelers, and specialty trades.

What is builders risk insurance, and when do I need it?

Builders risk insurance protects buildings and materials while they’re under construction. It’s essential if you’re building, remodeling, or adding to a structure, especially when local permits or lenders require proof of coverage.

What makes Risk Services of Louisiana different?

We don’t just sell policies — we help you solve problems. Our local agents know the construction industry, understand city permitting requirements, and work quickly to make sure you have the right coverage when you need it

Who can use trucking insurance?

You already know trucking isn't isolated to a single industry or specialty good. In fact, in 2024, 72.7% of the total domestic tonnage shipped was transported by truck. There are many types of trucks on the road, and trucking liability insurance can account for them all. A few examples of companies and trucks that can use commercial trucking insurance include: Local-Intermediate, & Long Haul New Ventures Dry Van, Reefer, Flatbed, Intermodal Amazon/Amazon Relay Compliant Carriers Box Trucks (no HHG or last mile) Building Material/Equipment Haulers Agricultural Commodities Haulers

Risk Services of Louisiana, Inc. | Risk Services – Leavitt Insurance Agencies

Winery Insurance
Alexandria, Corpus Christi, Georgetown, Houston, Lubbock, Ozona, Shreveport, Waco

We focus on winery insurance

Risk Services of Louisiana connects winery owners with customizable protection plans from top insurance companies.

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What You Need to Know About Winery Insurance

As a vineyard and winery owner, you want to know your property, equipment, and products are protected, so you can focus your attention on wine production, operations, and your valued guests.

At Risk Services of Louisiana, we focus on connecting winery owners with customizable protection plans from top insurance companies. We do the shopping and comparing to help you make the best decision possible, all while saving you time and money.

What does winery insurance cover?

A winery insurance policy most commonly covers property, specifically processing buildings, warehouses, tasting rooms, and offices.

Other coverage options can include product liability, liquor liability, chemical drift, off-premises wine storage, equipment breakdown, personal liability for sole proprietors, and much more.

Every winery is unique.

To learn more about winery insurance and the coverage options available, request a free insurance quote or call us at (318) 797-2422 for immediate assistance.

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