General Liability
Plain-English guidance on General Liability, written for contractors, not adjusters.
General Liability for Contractors
General Liability is the coverage almost every GC and property owner will ask to see proof of before you're allowed on a jobsite. The…
Read the full article → General LiabilityWhen You Need an Umbrella Policy
An Umbrella policy doesn't cover anything on its own — it extends the limits of the policies underneath it once those limits are exhausted.…
Read the full article → General LiabilityWhat Is Additional Insured, and Do You Need It?
Additional Insured is the single most commonly requested — and most commonly misunderstood — endorsement on a contractor's certificate of insurance. Getting it wrong…
Read the full article → General LiabilityWaiver of Subrogation Explained
Waiver of Subrogation is frequently confused with Additional Insured, but the two protect against different things, in different directions. GCs often require both —…
Read the full article → General LiabilityPrimary & Non-Contributory Coverage
Primary and Non-Contributory language is a increasingly standard GC requirement that trips up a lot of first-time bidders — not because it's complicated, but…
Read the full article → General LiabilityCommon COI Mistakes That Delay Payment
A rejected certificate rarely means you're actually uninsured — usually it means something small on the paperwork doesn't match what was requested. These are…
Read the full article →