The Pillars of Protection Unveiling the Cornerstones of Effective Risk Management
VT Industries
VT Industries, Inc. offers a full line of commercial interior doors to fit nearly any design aesthetic and performance specifications your project requires. What’s more, VT’s customer service and sales teams are your trusted partners, providing best-in-class support on every project.
C&B engages in a lot of risky business – it comes with the territory – but one of the riskiest is the hiring of subcontractors. C&B is protected from risk by a strong insurance program and more importantly, the hiring and vetting process of new employees. When we hire a subcontractor, that protection goes out the window. Then, we’re relying on their hiring process and their insurance. Since we have no insight into how they find, hire and train employees, we have to look to their insurance – and the terms and conditions of our contract – for our protection. Subcontractor compliance is a critical part of our risk management as a company, so it’s time for a reminder of what we are looking for in order to approve subcontractors. 1. A current W9 is required to ensure correct tax reporting to the IRS. 2. A current, up-to-standard COI is required by our contract with our customers, and if we don’t comply, any claim that arises from the subcontractor’s work comes out of our pockets. The indemnity is part of all our customer contracts, and the required wording is 100% necessary to have the subcontractor’s insurance cover any claim that might come from their work. We cannot buy insurance that doesn’t require a contract and correct COI wording. 3. A copy of the licenses required by the subcontractor’s scope - from contractor’s license to driver’s license, our contracts, our insurance (and likely theirs), etc. OSHA requires it. 4. A signed contract is where the rubber meets the road. Without it, insurance doesn’t matter. The subcontractor’s insurance is set up partly to cover us from their mistakes. It will only do so according to the terms and conditions of a signed contract. Risk will not approve any subcontractor without a signed agreement. If the subcontractor is performing work for us under a Master Agreement, we will also need to see a signed copy of the purchase/work order for a given project. We need confirmation of the scope and price, as well as another “signed contract” for the added protection from a potential insurance dispute.
This isn’t a change to our policies, but with our growth, we can all use a refresher! Please know that when it comes to coverage types and limits, we can be flexible based on the subcontractor’s scope of work: driver, installer, clean-up crew, etc. We can not be flexible on having a signed agreement and, at minimum, a current COI with the proper wording is necessary. Please present all required documents when you’re looking for approval of a subcontractor and note the lines in the sand: No COI or no contract = no approval and the subcontractor won’t get paid. Asking for forgiveness and not permission is not an option. If you have any questions, please don’t hesitate to reach out to me directly: clamontagne@cookandboardman.com.
The Heritage Collection The Heritage Collection encompasses all flush wood door options available including: • Flush Wood Veneer • High Pressure Decorative Laminate (HPDL) • Stylus Doors • Specialty Faces including laser marquetry, sketch-face, blueprint matched, mirrored, inlays, and split-species
The Palladium* Collection Palladium Doors are a durable and versatile
solution and offer superior impact resistance and are ideal for high-traffic, high-abuse applications. • Two edge types: fixed or removable • Faces are antimicrobial; perfect for busy healthcare and educational applications • Non-PVC InPro Rigid Vinyl Sheet • Available in over 125 solid colors, patterns, metallic, and woodgrains
• Performance options including STC-rated, fire-rated, lead-lined, and bullet-resistant The Stile & Rail Collection Classic stile and rail construction with a wide variety of standard and custom elevations available. HPDL Door – Smokey Brown Pear (5488-58)
Craig LaMontagne Director of Risk Management
Removable Edge
Fixed Edge
Forward by VT Forward by VT is a quick-ship program that offers a tailored collection of commercial door products in as few as three days. • Nationwide availability • Flush Wood Veneer Doors • Specialty Doors • Commercial Paintable Surface Doors • NEW - Molded Panel Doors (6-8 week lead time) • Now available to quote and order through new VTonline*
• Meet WDMA/AWS Custom Grade & Premium Grade quality standards • Raised membrane pressed, raised rim-banded, flat, glass, and louver panel elevations • Domestic and exotic veneer options • Performance options include STC- rated and fire-rated • Laser marquetry, sketch-face, inlay & split species designs available
One Panel Stile & Rail Door – Walnut Veneer
About VT Industries, Inc. Headquartered in Holstein, Iowa, VT Industries, Inc., is a family-owned business and is North America’s leading manufacturer of commercial architectural wood doors, countertops, and surfaces. The company’s four divisions serve customers from fifteen facilities strategically located throughout the U.S. and Canada. For more information, visit VT’s website at www.vtindustries.com.
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