Are certificates enough?
No. A certificate is evidence of insurance, but it does not replace the contract or policy endorsements.
General Contractor Insurance
General contractors coordinate people, contracts and responsibility across an entire project. A strong program needs to account for subcontractors, completed work, project-specific requirements and the possibility that a claim arrives long after the job is finished.
What to Review
Contractor insurance starts with the work—not a generic class description.
Project type, job-site conditions, subcontracting, contracts, fleet, equipment and completed work can all change the insurance conversation.
Subcontractor risk transferWritten agreements, additional insured status, waivers and actual policy language should work together.
Completed operationsLiability can continue after the project is turned over and the crew is gone.
Project propertyBuilders risk responsibilities should be clear before materials arrive or work begins.
Auto & equipmentTrucks, trailers, rented equipment and mobile equipment need coordinated treatment.
Common Questions
Questions worth answering before renewal.
Who should buy builders risk?
It depends on the contract and project structure. The important part is deciding responsibility before a loss.
Why does subcontractor usage matter?
Carrier appetite, rating and risk-transfer expectations can change substantially with subcontracted work.
Keep Exploring
Related contractor insurance topics.
Related
Contractors Equipment & Inland Marine
Protect mobile tools and equipment that do not stay at one location.
Learn more →RelatedSubcontractor Risk Transfer
Understand contracts, additional insured status and subcontractor controls.
Learn more →RelatedCommercial Auto for Contractors
Review fleets, trailers, drivers and hired/non-owned exposures.
Learn more →Have a renewal coming up?
Start with a conversation about your operation, current program and what you want to improve.