Design-build work, consulting, and project management create exposures general liability never touches. When contractors need E&O coverage - and when they can skip it.
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From the Blogs.
Paying workers on 1099s does not automatically exempt you from workers comp. Here is how misclassification really works and how contractors stay clean.
4 min read/When a contract asks for $5 million in coverage, the umbrella policy is how contractors get there affordably. Here is how umbrellas work and what they cost.
4.2 min read/$500K, $1M, $2M - how much general liability coverage does a contractor actually need? How to pick limits based on contracts, trade risk, and assets.
4.2 min read/Job site theft is a when, not an if. Inland marine coverage protects your tools and equipment wherever they go - here is how it works and what it costs.
4.2 min read/Driving a personal truck for business is one of the most common - and costly - insurance gaps in the trades. Here is when you need commercial auto coverage.
4 min read/The claim every contractor eventually faces: my work was defective, is it covered? Here is where general liability draws the line on faulty workmanship.
4.3 min read/Builders risk insurance protects the project itself while under construction. What it covers, who buys it, and how to avoid gaps between policies.
4.2 min read/Contracts keep asking you to name someone as additional insured. Here is what that endorsement actually does, what it costs, and the traps to avoid.
4.2 min read/The certificate of insurance is the most-requested document in construction. What a COI proves, what it does not, and how to get one issued fast.
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