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.
4.2 min read/Licensed, bonded, and insured are three different things. Here is what a bond actually does, what insurance actually does, and why contractors need both.
4.2 min read/Nevada contractor insurance requirements explained: license bonds, workers comp rules, and the coverage every NSCB-licensed contractor should carry in 2026.
4.1 min read/Self-employed with no employees? You may be exempt from workers comp in Nevada - but exempt is not the same as protected. Here is how the rules actually work.
4.1 min read/Subcontractors are almost always required to carry their own insurance. Here is what GCs expect, what happens if you go bare, and the coverage checklist subs actually need.
4.1 min read/
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