Category: Contractors
Avoid the Prior Works Exclusion
There are few endorsements on a Contractor's General Liability more confusing policy than a Prior Works Exclusion. It is an exclusion of coverage, t
What is AB 5? From the Insurance Perspective
Much has been written about the infamous AB 5 of CA. This is the law that clarifies whether a worker is an independent contractor or an employee, s
Deductible – Per Occurrence or Per Claim?
One of the most well known insurance concepts is the deductible. They’re easy to understand. Insurance pays above and beyond the deductible.
The Nasty Contractors General Liability Endorsements
I've written about the Prior Works Exclusion and how it can be a black hole of non-coverage for a contractor. Yes, it's pretty bad. What I want to w
Do I Need A Primary & Non-Contributory Wording Endorsement?
Recently I wrote this blog about the Primary & Non-Contributory Wording Endorsement. It was a nice article, and all true. What I want to tell
What Is Non-Admitted Insurance?
If you've ever purchased a policy through a Non-Admitted insurance company, you might remember having to sign that two page form written in ALL CAPS.
What Is A Prior Works Exclusion?
Contractors, let this be a warning: don't get a Prior Works Exclusion on your General Liability policy. Why? Because it reduces your coverage to a
Working With Independent Contractors And Subcontractors
Most businesses have people that help move their enterprise forward. They're called employees. Many businesses have a few other people that are k
What Is A Primary And Non-Contributory Wording Endorsement?
Have you – a business owner – ever had to get a Primary and Non-Contributory Wording endorsement on your general liability policy? Have you –
What Is a Waiver of Subrogation Endorsement?
Waiver of Subrogation Endorsements are confusing. According to the spell check application editing this content, the word "subrogation" doesn't eve
