2. LIABILITY INSURANCE does not cover damage or loss of the contractor’s property! Liability insurance covers legal expenses and judgments that stem from civil actions against the contractor. The insurance company has the right to settle claims without going to court!

4. LIABILITY INSURANCE does not cover damage or loss of the contractor’s property! Liability insurance covers legal expenses and judgments that stem from civil actions against the contractor. The insurance company has the right to settle claims without going to court!

6. Any person who engages in construction work without first obtaining a license is violating a Utah state law and is guilty of a Class A Misdemeanor

8. Within 8 hours the employer must orally report an accident that results in a work related death. This must be reported to the area office of the Occupational Safety and Health Administration (OSHA), U.S. Department of Labor.

10. Workers' compensation pays for the rehabilitation, recovery and medical bills of employees work-related injuries, as well as lost time when they are unable to work because of a work-related injury. Workers' compensation is not a substitute for health or medical insurance, since employees are only covered for on-the-job injuries

12. “ Starting a business can be overwhelming. There are so many unfamiliar aspects needing to be established. Having a resource like IES to answer questions and take care of my Human Resources was unbelievably helpful! I was able to focus on my business... Not Paperwork!! ” Awbree Summers McDonald’s Floral Art

13. As an Employer you have the right to mandate a drug/alcohol test after a work related injury.

15. The Labor Commission may proceed with legal action to close your business if you do not provide proof that you have obtained workers compensation coverage.

16. An employer must keep copies of employees’ wages and payroll tax records for 4 years!

18. Personal and advertising injury means being responsible for libel, slander or any defamatory or disparaging material, or a publication or utterance in violation of an individual's right of privacy; wrongful entry or eviction, or other invasion of the right of private occupancy; false arrest, wrongful detention, false imprisonment, or malicious prosecution; which occurs during the policy period.

20. A Performance Bond is a guarantee to the owner that the project will be completed according to the plans and terms specified in the contract. If the contractor defaults on the contract, the surety company is responsible for completing the project.

22. “ Thank you, IES , for another year of superior service in managing our company’s payroll needs. I highly recommend Integrated Employers Solutions to anyone wanting to save time and money!! “ Sam Steed Matrixx Construction

24. An Umbrella Policy is policy designed to provide protection against catastrophic losses, the umbrella insurance policy is generally written over various primary liability policies, such as a general liability insurance policy, business auto policy and employers' liability coverage. Once the underlying limits of these primary policies are exhausted, the umbrella liability policy would provide further coverage beyond the limits of those policies.

26. Payment Bonds guarantee payment for labor and materials used or supplied in the performance of the contract. The payment bond protects the owner, developer, and contractor against liens filed by unpaid parties to the work.

28. Many personal auto insurance policies exclude coverage if a vehicle is used mainly for business. A commercial auto policy provides coverage for autos owned by a business if these vehicles are in an accident. The insurance pays to repair or replace the vehicle and the vehicle of the third party damaged by the employee. It also pays for the medical expenses of those injured in an accident.

30. Business Income Insurance may reimburse you for the net income that would have been earned if, for example, a fire or other covered causes of loss had not occurred. Losses due to down time or extra expenses needed to restore operations (such as additional property rental) also may be covered.

32. “ The ability for IES to job cost in invaluable. With the knowledge of true project costing which includes gross payroll, federal taxes, & workers compensation, we really know what our true labor burden is per project.” John Zitting Diamond Z Construction

34. Employment practices liability insurance (EPLI)is designed to protect employers against claims of employee sexual harassment, discrimination, wrongful termination and other employment-related litigation. Many insurance companies offer employment practices liability insurance as a stand-alone policy.

36. Inland Marine Insurance , despite it’s misleading name, is a broad type of insurance which covers articles that may be transported from place to place. Specifically, this type of insurance protects a wide range of high risk, mobile items, including: specialized contractor's tools and equipment , electronic data processing systems, from mainframe computers to laptops, fine art objects and jewelry.

38. Most commercial auto insurance policies cover the liability for a business if employees use their own cars for business, provided that the business owner has purchased coverage for non-owned liability . Separate non-owned physical damage coverage is available to cover actual damage to the auto. However, the employees' personal auto policy would be the primary coverage for damage to their automobiles.

40. “ IES handles all our Workers Compensation ! With their pay as you go program we never have to deal with, or pay a Workers Compensation audit. “ Ray Wirick Goldencraft Construction

42. An Insurance Audit is the process an insurance company uses to compare whether the premium it originally estimated reflects the actual risk covered by the policy—based on the customer’s actual payroll, number of autos or sales.

44. “ The world is full of willing people…. Some willing to work , the rest willing to let them work! “ Robert Frost

46. On average, over 40% of businesses that don't have a disaster recovery plan go out of business after a major loss like a fire, a break-in, or a storm.

48. For most employers, an individual disability income policy is the best way to ensure adequate income in the event of disability. When you buy a private disability income policy, you can expect to replace from 50% to 70% of income. When you pay the premiums yourself, disability benefits are not taxed.

52. The IRS charges FTD failure to deposit penalties at a tiered rate … 2% for deposits 1-5 days late 5% for those 6-15 days late 10% for under deposits 16 or more days late

54. The cost of employee turn-over to employers is more than $1,185 per occasion. 50% of new hires quit within 6 months. Also, most small to mid-sized companies can’t afford to offer their employees ‘top-shelf’ benefits. (This is a major reason for turn over). (According to Bureau of Labor Statistics)