General Liability
Plain-English guidance on General Liability, written for contractors, not adjusters.
The California Contractor Compliance Ladder: What It Takes to Bid, Win, and Get Paid
For a California contractor, "being insured" isn't one thing — it's a ladder. Every step up in the size of the job, the sophistication…
Read the full article → General LiabilityDoes General Liability Cover My Mistakes? What Contractors Get Wrong About the “Your Work” Exclusion
Ask a room of contractors what their General Liability policy is for, and a lot of them will tell you it covers their mistakes…
Read the full article → General LiabilityHow Contractors Get Burned by a Sub’s Insurance — and the System That Prevents It
Most contractors manage subcontractor insurance the same way. Collect a certificate. Drop it in a folder. Hope. That's not a system. That's a prayer.…
Read the full article → General LiabilityYour Sub Has Insurance. That Doesn’t Mean You’re Covered.
Your subcontractor handed you a certificate of insurance. You filed it. You feel covered. You might not be. Here's the part most contractors learn…
Read the full article → General LiabilityGeneral 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…
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