8735 Dunwoody Place STE R Atlanta, GA 30350
Describe your trade, crews, vehicles, equipment and project requirements. A review can identify the insurance and surety questions to address before work begins.
New construction, repairs, design services and subcontracted work can create different exposures. Provide a clear description of your operations and the states where you work.
Ask about general liability, workers’ compensation, commercial auto, tools and equipment, builder’s risk, professional liability and excess liability where relevant. Each policy has its own limits, conditions and exclusions.
Compare insurance requirements in contracts with the actual policy and endorsements. A certificate summarizes information; it does not by itself add an additional insured or change coverage. Bonds have a separate review and approval process.
Have general revenue, payroll, vehicle and equipment information available. The introductory form does not bind coverage, approve a bond or issue a certificate.
Even a solo contractor can face liability and contract requirements. Discuss your operations and applicable requirements with the team.
Project-specific options may be available depending on the project, insurer and policy. Coverage requires review and confirmation.
Check contracts, applicable law and the subcontractor’s actual policies. Do not assume another business’s coverage protects you.
Amounts above an applicable policy limit may remain your responsibility. Review excess coverage and contractual limits before accepting work.
Timing depends on an active policy and the requested wording or endorsements. Request review in advance; same-day issuance is not guaranteed.
Start with a review of your operations, existing policies and requirements. Coverage is subject to insurer acceptance and policy terms.
Tell us about your trade and your next project. A licensed agent will help you line up the insurance and bonds it requires.