Contractors take on liability for their work and for the people they hire, and customers and general contractors often set insurance requirements.
Coverages we usually review
- General liability
- Workers’ compensation
- Commercial auto
- Tools and equipment (inland marine)
- Umbrella or excess
Where gaps often show up
- Subcontractors without adequate coverage
- Additional insured and waiver requirements in contracts
- Exclusions or limits for certain types of work
- Certificates of insurance that are out of date
Questions worth asking
- Do my subcontractors’ certificates meet my contract requirements?
- Which types of work are excluded?
- Are my tools covered at job sites?
General information only. Actual coverage depends on your policy, and coverage is not in force until confirmed in writing by the agency.