Contractor Insurance That Keeps You on the Job.

Discuss third-party injury, property damage and completed operations. Review exclusions, project aggregates and the work your policy actually includes.

Review employee injuries, payroll, subcontractors and employers liability. Requirements and exemptions differ by state and business structure.

Review business-owned trucks, vans and trailers, along with hired and non-owned vehicle exposures. Describe who drives and how vehicles are used.

Discuss additional liability limits above eligible underlying policies. Confirm the policies, limits and exclusions required by each contract.

Review owned, rented and leased tools and machinery at jobsites, in storage and in transit. Check scheduled items, theft conditions and valuation.

Discuss materials and work in progress during installation, construction or renovation. Confirm who insures each project and when coverage begins and ends.

Review possible pollution exposures such as fuel spills, mold, lead or asbestos disturbance. Coverage depends on the operations and policy selected.

Bring requirements for additional insured status, primary and non-contributory wording and waivers of subrogation. A certificate alone does not change policy coverage.

Discuss the office, shop, stored inventory and eligible business income coverage. A businessowners policy may combine selected property and liability protections.

Ask about license, bid, performance and payment bonds required for a job. Bonds are different from insurance and may include reimbursement obligations.

Discuss design-build services, estimating, consulting and professional advice. General liability may not respond to errors in professional services.

Review data breaches, ransomware, incident response and technology-related interruption. Policy triggers, exclusions and security requirements vary.

Discuss employment-related allegations such as discrimination, harassment and wrongful termination. Wage-and-hour and third-party protection require specific review.

Review employee theft of money, materials or equipment. Check who is insured, the property included and applicable limits.

Ask whether temporary rental costs are insured after covered equipment damage. Waiting periods, eligible losses and maximum payments vary.

Discuss tools employees own and bring to work. Confirm ownership, storage, theft conditions and any per-item limits.

Discuss mechanical or electrical breakdown of insured shop equipment and building systems. Ordinary wear and maintenance are different from an insured breakdown.

Ask how defective work and resulting damage are treated. Do not assume general liability pays to replace or redo your own work; specialist terms may be needed.

Review additional rebuilding costs caused by current building codes after an insured loss. Check demolition, undamaged portions and increased construction costs.

Bring hold-harmless and indemnity agreements for review. Contractual liability protection is subject to policy definitions and exclusions, rather than every obligation you sign.