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Insurance for contractors & builders
General contractors, and the electrical, plumbing, HVAC, roofing, and concrete trades working under them.
- Usually needed
- General liability, workers' compensation, commercial auto, tools and equipment, and builder's risk on active jobs.
- Where deals get stuck
- Certificate wording. General contractors want additional insured on a blanket basis, primary and non-contributory, with a waiver of subrogation. If your policy can't produce it, you don't get on site.
- Watch out for
- Uninsured subcontractors. If a sub has no coverage and someone gets hurt, your policy pays and your audit bill treats their payroll as yours. Collect certificates before they start.
- Turnaround
- Send us the insurance section of the contract and we'll tell you same day whether your current policy meets it.