Connect coverage to the actual operation
General contractors should present the type and size of projects they control, work performed by employees, subcontracted trades, contract terms, project locations, safety oversight, equipment, vehicles, and completed-operations exposure. Residential, commercial, industrial, new construction, and renovation work should be separated.
Risks to review
- Job-site injury and third-party property damage
- Subcontractor selection, certificates, contracts, and completed work
- Construction defects and long-tail completed-operations claims
- Vehicles, mobile equipment, tools, theft, and project delays
Information to prepare
- Revenue by project type, work type, territory, and largest project
- Employee payroll, subcontracted cost, trade breakdown, and project backlog
- Sample contracts, indemnity, insurance requirements, and subcontractor controls
- Safety program, loss runs, vehicles, equipment, and completed projects
Frequently asked questions
Why must subcontractor costs and trades be disclosed?
The amount and type of subcontracted work help describe the contractor's operational control, liability, contractual, and completed-operations exposure.
Does a certificate of insurance transfer all subcontractor risk?
No. Certificates do not amend policies. Contracts, endorsements, coverage status, limits, exclusions, and the contractor's own obligations should be reviewed.
Coverage descriptions are general. Eligibility, availability, limits, deductibles, valuation, exclusions, and policy terms vary by operation and insurance market. Actual policy documents control.