Remodelers are facing one of the most unforgiving insurance markets in years. Slammed by soaring premiums and multiplying exclusions, impenetrable contracts and fleeing providers, they're struggling to afford and hold onto good commercial policies that won't leave them high and dry on the rare occasions they actually need them. More
Sometimes, the simplest forms are the most effective. This Excel spreadsheet ó which Riggs Construction & Design, Kirkwood, Mo., uses to track the money the company spends on workers' compensation insurance ó is meat and potatoes; columns of numbers, tallied using a basic Excel function. But, says Pam Hagerty, Riggs' office manager, it saves her time (she used to tally this by hand) and she has all her ducks in a row when the company is audited each year. More
