HANDYMAN 
Handyman Insurance, Reviewing Your General Contractors Insurance
Each policy renewal period you should review you general contractors insurance policy to make sure you still have the right coverages at the most affordable cost.  Here are some tips to review.
1) Equipment: Have you sold or bought any major pieces of equipment? If you sold any equipment, you may be able to reduce the policy limits on the business property portion of your general contractors insurance policies, which will cut your general contractors insurance premiums. However if you bought new equipment then you may need to increase your policy limits.
2) Employees: Have you had to lay off employees? Although workers compensation is sold separately from other types of insurance for general contractors, your premiums for this coverage can make a big dent in your bottom line. If you have reduced your workforce, see if you’re eligible for workers comp premium reductions. If you increased your work force then make sure to add all new employees to your worker compensation policy.
3) Vehicles: If you are no longer using as many vehicles in your contracting business, trucks,vans or automobiles, you will want to make sure that the vehicles that have been retired are no longer listed on your commercial auto insurance policies. Removing those vehicles from both the vehicle liability and collision coverages can add a few more dollars to your bottom line. Yet also make sure to list any new vehicles and or vehicle changes so that you are sure that all vehicle are listed on your policy.
4) Increasing or Cutting Back Coverages: You will want to consider your options very carefully before cutting back on the general liability portions of your general contractors insurance. Construction is still a risky business, and the number of problem areas for which contractors are held responsible for such as lead paint, pollution, asbestos seems to grow all the time. Therefore it is better in this case to have higher coverages then lower limits of coverage.
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