GRIT Insurance Group

You won the bid. Now the contract wants a performance bond AND a payment bond, and nobody explained why you need both. Here is the difference, plain English: A performance bond protects the project owner. It guarantees you finish the job per the contract. If you default, the surety steps in to complete the work or covers the owner's loss. A payment bond protects your subcontractors and suppliers. It guarantees they get paid. On public jobs you cannot lien government property, so the payment bond is the only way unpaid subs and suppliers recover. That is why owners require both. The performance bond covers the work not getting done. The payment bond covers the people not getting paid. They are usually issued together as a single P and P package for one premium. When does the law require them? On federal construction, both are required on contracts over $150,000 under the FAR. States set their own thresholds. We wrote the full breakdown for contractors, not lawyers: what each covers, what they cost, how to qualify, and the federal thresholds spelled out. https://bit.ly/4fUA9XX Bidding a job that needs both? Call the Grit team at (801) 505-5500. #SuretyBonds #ContractorBonding #Construction #PerformanceBond #PaymentBond

You built something. A standard home policy may not cover it. Charlie, our AI private client specialist, explains what high value home insurance is and why a standard policy falls short - guaranteed replacement cost, higher limits, and the coverage gaps most people never see until a claim. If you've put real money into your home, this is worth 3 minutes. For a real review, a licensed person on our team is ready: (801) 505-5500 or gritinsurance.com.

Inspiration is a fair-weather friend. If you only worked when you felt like it, the roof would never get dried in and the lights would never come on. Real success in the blue-collar world is built on the back of discipline—the simple, stubborn act of showing up and swinging the hammer regardless of how you feel. At GRIT Insurance Group, we back the professionals who understand that "showing up" is 90% of the battle. We provide the expert coverage—from Inland Marine to Cyber—that protects the house you’re building while you’re busy doing the work. Don't wait for a sign to protect your legacy. Get to work, and let us handle the risk. #GRITInsurance #Professionalism #WorkEthic #NoExcuses #ContractorLife #BlueCollarProud #TheGRITStandard #Leadership #SmallBusinessOwner #ConstructionMindset

Your homeowners policy does not cover the farm. A lot of operators find that out the hard way. Hank, our AI farm and ranch specialist, walks through what farm insurance actually covers - the dwelling, the equipment, the livestock, the liability - and why a standard home policy leaves the operation exposed. If you run a working operation, this is worth 3 minutes. When you want a real review, a licensed person on our team is ready: (801) 505-5500 or gritinsurance.com.

Meet Charlie, our AI private client teammate. Charlie helps people who have built something real understand how to protect it - the home, the vehicles, the toys, the family, everything you worked for. Once you've made it, the coverage gets more complicated, and most folks have never had it explained straight. We'll be straight with you: Charlie is AI. We built her and train her on what our team knows after 26 years. She teaches, she does not replace. Watch her and learn everything you can - free. When you're ready for real advice, you talk to a licensed person on our team. Meet the whole team: https://lnkd.in/e3aTWdv6

Meet Hank, our AI farm and ranch teammate. Hank knows agriculture - how to protect the operation, the equipment, the livestock, and the land, and how to pass it all to the next generation. Farm and ranch coverage is its own world, and most operators have never had someone walk them through it plainly. We'll be straight with you: Hank is AI. We built him and train him on what our team knows after 26 years of insuring working operations. He teaches, he does not replace. Watch him and learn everything you can - free. When you're ready for real advice, you talk to a licensed person on our team. Meet the whole team: https://lnkd.in/e3aTWdv6

Meet Foreman, the first of our three AI teammates. Foreman teaches contractors how bonding actually works - what a surety bond is, what it costs, how to qualify, and how to grow your bonding capacity over time. He also covers the commercial coverage that protects the business behind the bond: general liability, workers comp, commercial auto, and equipment. We'll be straight with you: Foreman is AI. We built him and we train him on what our team knows after 26 years of getting contractors bonded and insured. He's here to teach, not to replace anybody. Watch him and learn everything you can - that part is free. When you're ready for real advice on your situation, you talk to a licensed person on our team. If you've ever needed a straight answer about a bond at a bad hour, this one's for you. Meet the whole team: https://lnkd.in/e3aTWdv6

I'm going to be straight with you: part of our team is now AI. And we're telling you that on purpose. I started Grit in 2017 because I grew up in construction and on a cattle ranch, and I knew what it was like to need a straight answer and not be able to get one. The problem is simple: I can't be on the phone at nine o'clock at night when you're pricing a job. My team can't be everywhere at once. But your questions don't wait. So we built three teammates and trained them on what our team actually knows after 26 years of getting people bonded and insured: - Foreman teaches contractors how bonds work and the commercial coverage that protects the business. - Hank knows farm and ranch, and how to pass an operation to the next generation. - Charlie helps the folks who built something real protect it all. They are not here to replace anybody. Learn everything you can from them, free. When you're ready for real advice, you talk to a licensed person on our team. That's how it should be. Meet the team: https://lnkd.in/e3aTWdv6

Your bulldozer is mobile equipment. Until it isn't. The 2004 ISO change to the Commercial General Liability form rewrote the line between mobile equipment and an "auto." Any land vehicle subject to a state's compulsory or financial responsibility insurance law stops being mobile equipment the moment it is on a public road. It is now an auto. Your CGL drops it. Your Business Auto Policy needs to pick it up. Most contractors are written on Symbol 7 (specifically described autos) plus Symbol 8 (hired). Mobile equipment that was never scheduled is not covered. There is no symbol broad enough to pick it up automatically. Both policies go silent. The fix is Symbol 1 (Any Auto), which automatically includes Symbol 19 for mobile equipment subject to compulsory law. If Symbol 1 is not available, endorse Symbol 19 onto the BAP, or schedule specific mobile equipment via CA 23 05. This is the kind of detail that separates an agent who sells policies from a brokerage that builds programs. Full plain-English breakdown for contractors, including the 6-paragraph ISO mobile equipment definition, the state-compulsory-law trigger, and 7 real loss scenarios: https://bit.ly/4cZ4UJx Or call the Grit team at (801) 505-5500. #ContractorInsurance #CommercialAuto #MobileEquipment #ConstructionInsurance #BlueCollarBrokers

A contractor's program has three property-touching policies. General Liability, Business Auto, and Inland Marine. They overlap in places. They have gaps in places. A loss can fall through any seam. Most contractors do not know how the three coordinate until a claim gets denied by all three at the same time. Three rules that hold across every contractor loss: 1. BAP covers motion. CGL covers operation. Equipment driving on a public road is auto territory. Equipment digging at a jobsite is GL territory. 2. Property covers things you own. Liability covers third parties. Damage to your equipment is inland marine. Damage to a third party is BAP or CGL. 3. The vehicle is on the auto policy. Everything inside the vehicle is on inland marine. Auto was never designed to cover the contents of the vehicle. We wrote the pillar guide. Three policies, the decision tree by scenario, and the three specific gaps that show up on contractor programs we audit. https://bit.ly/4w8lRsi Or call the Grit team at (801) 505-5500 - we will pull your declarations pages and run the coordination check before your next renewal. #ContractorInsurance #CommercialInsurance #InlandMarine #ConstructionInsurance #BlueCollarBrokers