General contractors carry the insurance conversation for the whole job: owner and lender requirements, subcontractor certificates, and the contract exhibit language that ties it together. Redoubt helps review the requirement before you guess at limits or wording.
A project owner, lender, or prime contract may include an insurance exhibit asking for specific general liability and umbrella limits, additional insured status for both ongoing and completed operations, primary and noncontributory wording, and a waiver of subrogation.
Send Redoubt the insurance exhibit or contract language so the wording can be reviewed against the coverage actually in place.
General contractors are often responsible for collecting certificates of insurance from every subcontractor on a job, confirming additional insured endorsements are actually attached, and dealing with the fallout if a sub shows up uninsured, whether that is a workers comp audit charge or a liability gap after an incident.
Subcontractor default and coverage gaps are common points of dispute, so the subcontractor insurance requirements should be built into the contract before work starts, not discovered afterward.
Depending on the project size, self-perform versus subcontracted work, and owner or lender requirements, the insurance conversation may include:
Often the base requirement for third-party injury and property damage across a project.
Collecting and verifying sub certificates and endorsements is a routine but important GC responsibility.
Required for employees, and often reviewed alongside subcontractor coverage during premium audits.
A separate policy covering the structure under construction, typically reviewed project by project.
Owners and lenders on larger projects often require limits above the base general liability policy.
Primary and noncontributory language, waiver of subrogation, and completed operations should be reviewed against the exhibit.
Builders risk covers the structure under construction and is typically a separate policy from general liability, so it needs its own review for every project. Completed operations coverage matters because construction defect and injury claims can surface well after a project is finished.
Owners and lenders on larger projects often require umbrella or excess limits above the base general liability policy. Send the project requirement so Redoubt can review what limits and structure actually fit the job.
Redoubt usually needs to know whether you self-perform work or primarily subcontract, the size and type of projects you take on, payroll and subcontractor costs, the insurance exhibit or contract language from the owner or lender, and who needs the COI.
Have a client, dealership, venue, or contract asking for insurance paperwork? Send Redoubt the requirements and we’ll help you understand what they are asking for.
Common questions include general liability, workers compensation, umbrella or excess liability, builders risk, and subcontractor certificate management. The right setup depends on project size and how much work is self-performed versus subcontracted.
Uninsured or improperly insured subcontractors can expose a general contractor to liability gaps and workers compensation audit charges. Collecting and verifying subcontractor certificates before work starts helps manage that risk.
Additional insured wording may extend certain liability protection to an owner, lender, or upstream party. Completed operations addresses claims that arise after a project is finished. Both depend on the specific policy and endorsement language.
Builders risk typically covers the structure under construction, while general liability addresses third-party injury and property damage. They are usually separate policies and both need review for a given project.
Larger projects and higher-value contracts often come with insurance exhibits requiring limits above a standard general liability policy. The exact requirement should be reviewed against your current coverage.
They can. Some workers compensation audits reclassify uninsured subcontractor labor as payroll, which can increase premium. Verifying subcontractor coverage before work starts can help avoid that outcome.
Send Redoubt the insurance exhibit or contract requirement and we will help decode the limits, additional insured, and subcontractor questions.