★ The PolicyEZ library
Straight answers about insurance.
Nobody teaches this stuff and then everyone acts surprised when you sign something you don't understand. These guides are the short version of what our licensed specialists explain on calls every week — written plainly, with no sales pitch hiding inside.
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Workers' comp basics for small contractors
Who actually needs it, what class codes are (with one honest example), how the payroll math works, and what that "premium audit" letter really means.
Read the guideFlood zones in plain English
What AE, V, X, and D mean on a FEMA map, the difference between federal and private flood insurance, and what an elevation certificate actually does for you.
Flood insuranceHow business insurance pricing actually works
Deductibles, limits, class codes, claims history — the five levers that move a business quote, and which ones are worth touching.
Business insuranceAdditional insured & endorsements, explained
Your GC wants to be "additional insured" and sent you a certificate holder form. Here's what they're actually asking for, and what it costs you.
ContractorsWhat is a certificate of insurance (COI)?
What an ACORD 25 proves, what it doesn't, why GCs demand them constantly, and how to keep COI turnaround from costing you jobs.
Contractors