www.rcabc.org  l  27 dollars in revenue a day. If the contractor causes a fire that shuts the plant down, they could be faced with a lawsuit for the facility’s loss of income. And that’s where liability can fall off the rails. In my opinion, the extra costs involved with somewhat higher premiums are well worth it.” Alsop thinks the most misunderstood aspect of what a good insurance broker can provide is risk analysis. He says, “Coverage should always be based on a full analysis of a company’s unique oper- ations, with much consideration given to risk tolerance. One company could be very comfortable and able to absorb a $50,000 deductible on their policy to help pay an additional premium to buy millions more in commercial general liability insurance. Alsop says it’s also important that a full analysis of a contractor’s safety protocol is completed. He says, “The insurance marketplace has been getting harder in the past year. Many insurers are no longer offering coverage and those who are have been reducing coverage. It’s important that contractors are doing everything they can to prevent an acci- dent and also making sure their insur- ance broker fully understands and pres- ents this information to the insurers. I’ve already seen some insurers only offering Falls, injuries and third-party damages are just a few of the inherent issues – and just a few of the reasons that proper liability insurance and risk analysis is critical in the trade. Your source for roofing products in British Columbia. ∙ Commercial Roofing & Accessories ∙ Air & Vapour Barriers ∙ Waterproofing ∙ Metal Cladding ∙ CT Board ∙ ISO Insulation ∙ Tapered ISO & EPS Packages ∙ Roof repair & maintenance supplies ∙ Roofing tools & equipment Online ordering now available on BrockWhite.ca! Order online or find the branch near you on BrockWhite.ca. Contact Brock White for more information on ISO-Clip Thermal Isolation Clips. New from Menzies    Proper fit for undersize drain pipe to connect to larger plumbing pipe OD www.menzies-metal.com Undersize Drain Coupler Undersize Drain Pipe Dual size Drain Coupler Plumbing Outlet Pipe Available Sizes 2", 3" and 4" * 2" fits 1 3/4" drain to 2" DWV * 3" fits 2 3/4" drain to 3" DWV * 4" fits 3 3/4" drain to 4" DWV