Blog & insights

Framing contractor insurance, decoded

Plain-English guides on the coverage that matters for framing crews — general liability, workers’ comp, builder’s risk, and the tools floaters that pay when gear walks off the jobsite.

How to Read a Certificate of Insurance: A Contractor's Field Guide
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School LessonsMay 22, 20265 min read

How to Read a Certificate of Insurance: A Contractor's Field Guide

Most contractors get COIs without knowing what they're looking at. This guide breaks down every field on the ACORD 25 — so you know what you're actually getting and what to ask for when something's missing.

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School Lessons5 min read

How GC Subcontracts Specify Your Insurance Requirements — and How to Read Them

The insurance exhibit in your subcontract is the most important page most contractors never read carefully. Here's how to decode it before you sign — and what to do when your coverage doesn't match.

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School Lessons4 min read

Occurrence vs. Claims-Made Insurance: What Every Contractor Must Understand

The difference between occurrence and claims-made policy forms determines whether a claim filed years from now is covered. Most contractors don't know which one they have — until a claim is denied.

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School Lessons4 min read

What to Expect When Your Contractor Insurance Policy Gets Audited

GL and workers' comp policies audit your payroll and revenue at year-end. Here's what auditors look for, what records you need to keep, and how to avoid a large bill you weren't expecting.

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School Lessons5 min read

Why Cheap Contractor Insurance Often Fails at Claim Time

Not all contractor insurance policies are the same. Here's what carriers cut to offer low premiums — and the specific exclusions, conditions, and tricks that leave contractors with denied claims.

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