Most contractors don’t get audited for what they do — they get audited for how they pay people. This breaks down the real rules the IRS uses to decide employee vs 1099.

Equipment theft is rising fast—and most contractors don’t realize their insurance won’t cover the loss until the claim gets denied. This guide explains the hidden gaps in your policy, the mistakes that cost builders thousands, and the simple fixes that protect your tools before something goes missing.

You’re a builder, not a bank. The moment you tighten your terms, slow-paying clients disappear and your cash flow finally works the way it should.

Most contractors don’t get declined because of claims, they get declined because they can’t prove they run a safe job. Underwriters aren’t guessing anymore. They want documentation, or they move on.

Same coverage, no claims, higher bill. The spike isn’t coming from your job sites—it’s coming from courtroom verdicts that are blowing up insurance rates nationwide.

Every December, contractors panic-buy equipment to “save on taxes”—and end up draining their cash. With 100% bonus depreciation now permanent, there’s zero reason to rush. Buy based on business need, not the calendar.

Cash can be legal if you do everything else right. Gift cards are a minefield. And the real-world risks — audits, disputes, and denied insurance claims — can destroy a good business.

In construction, risk doesn’t vanish, it just shifts. When subs skip insurance, that risk rolls uphill to the GC, and someone ends up footing the bill. The smart ones make sure it’s not them.

If you’re not three months ahead, you’re already behind.
That’s the cashflow rule that helped John Gioffre turn Revent Builds into one of Austin’s fastest-growing luxury contractors.

Contracts aren’t about trust - they’re about clarity. Most contractors focus on price and schedule, but the real danger lies in the fine print. Hidden clauses around delays, termination & indemnification can quietly shift thousands of dollars of risk onto your business.

You wouldn’t prepay Netflix for the next five years, right? So why would you hand over $50,000 in cash all at once for insurance coverage that lasts 12 months?

You just landed the job. The owner said yes, the numbers work, and you’re ready to get crews on site. It’s exciting, maybe the highlight of your month. But before anyone swings a hammer, there’s a stack of paperwork waiting for you. That paperwork, the contract, can either protect your business or sink it.

A broker represents you. We sit on your side of the table, shop your needs across multiple carriers, and make sure the coverage you buy actually works when you need it. Brokers get paid a commission by the insurance company — but that comes out of the carrier’s margin, not your pocket. In other words, it costs you nothing extra to have an expert on your side.

Contractors need insurance to stay protected, win work, and meet legal and GC requirements. Learn why coverage isn’t optional—and how to get it right.