New contractTenant improvement · example
Received 9:41 AMInsurance requirementOwner’s insurance exhibit
Before mobilizationReviewing insurance language
Policy summary
Commercial auto · general contractors
Check 1Business vehicle liability and damage reviewed separately
Check 2Employee-owned and rented vehicle use considered
Check 3Tools and equipment checked outside the auto policy
The terms matter alongside the price.Coverage depends on policy terms and claim facts.
Claim
Your work van rear-ends another car between jobs.
ExampleThe other driver has injuries or vehicle damage.
Next stepReport facts to the carrier
The terms matter alongside the price.Coverage depends on policy terms and claim facts.
Certificate of insurance
The owner’s insurance request
LimitsCompare with the contract
EvidenceIssued from actual coverage
The terms matter alongside the price.Coverage depends on policy terms and claim facts.
General contractor coverageWhat it does not cover→
Commercial auto for the business behind the build.
Between the yard, the supplier and the next project, your vehicles are part of the job. Compare protection for the driving, the drivers and the trucks your business depends on.
Business vehicle liability and damage reviewed separately- Employee-owned and rented vehicle use considered
- Tools and equipment checked outside the auto policy
Prefer to talk? Call +1 802-GOT-RIZA · Sun to Sat, 8am to 8pm ET
Markets we place through.
The coverage in everyday project terms.
Illustrative examples. The policy, facts and applicable law determine the answer.
Liability
Your work van rear-ends another car between jobs.
The other driver has injuries or vehicle damage.- Commercial auto liability may respond to a covered accident.
- Damage to your own van needs a separate coverage check.
Vehicle damage
Your work van is broken into overnight.
- Comprehensive coverage may address covered theft and damage to the vehicle.
- Tools taken from the van need a separate equipment coverage check.
- We help review both so a vehicle policy is not mistaken for tool protection.
Vehicles you do not own
A supervisor uses a personal car for a supply run.
- Business use of an employee-owned car creates another liability question.
- Ask about hired and non-owned auto protection.
- It does not automatically insure damage to the employee’s car.
Know what could change the answer.
These are the details to settle before the next project.
The vehicles and drivers actually usedDisclose ownership, garaging, travel and who drives. Confirm additions and replacements with the carrier instead of relying on an old vehicle list.
Trailers and rented vehiclesLiability, physical damage and equipment carried inside can need different treatment. Tell us what you tow or rent and how it is used.
Tools inside the vehicleAuto coverage does not automatically replace portable tools or construction equipment. Check the equipment policy, values and theft conditions separately.
Placing the policy is half the job.
We stay for the other half. Four things that happen when a broker is on the account.
Win the project.
Know what the contract asks.
Insurance requirements compared with your policy
Additional insured and completed-work terms explained
Open coverage questions flagged before you commit- Certificates issued from the policy as written
Requirement review3 of 3 matched
✓
Liability limitsCompare with the contract
Matched✓
Additional insuredCheck the endorsement
Matched✓
Completed workReview required duration
MatchedActivityToday
9:41Contract received and read
9:43Requirements checked against the policy
9:47Certificate drafted for Tenant improvement · example
PDF
Certificate packageConfirm coverage before issuing
Send COIWin the project.
Know what the contract asks.
- Insurance requirements compared with your policy
- Additional insured and completed-work terms explained
- Open coverage questions flagged before you commit
- Certificates issued from the policy as written
New contractTenant improvement · example
Received 9:41 AMInsurance requirementOwner’s insurance exhibit
Before mobilizationReviewing insurance language
Requirement review3 of 3 matched
✓
Liability limitsCompare with the contract
Matched✓
Additional insuredCheck the endorsement
Matched✓
Completed workReview required duration
MatchedActivityToday
9:41Contract received and read
9:43Requirements checked against the policy
9:47Certificate drafted for Tenant improvement · example
PDF
Certificate packageConfirm coverage before issuing
Send COIA bigger job.
A fresh look at your coverage.
- New employees and subcontracted operations reviewed
- Vehicle and equipment changes sent to the carrier
- New project types considered before work begins
- Requested changes confirmed before you rely on them
Coverage reviewGrowing business · example
UpdatedProjectsRemodels→New construction✓
WorkforceOwn crew→Crew + subcontractors✓
Operations endorsementIssued✓
Same account, same brokerIllustrative confirmed update
ActivityToday
9:52Projects updated, Remodels to New construction
10:05Workforce updated, Own crew to Crew + subcontractors
11:20Operations endorsement, carrier confirmed
COI
CertificateIllustrative confirmed update
SentWhen something happens,
you have someone to call.
- Help reporting the incident to the carrier
- Project records and photos organized
- Support with questions about the next step
- The carrier determines coverage and claim payments
ClaimRenovation incident · example
ReportedIssueExisting property damaged
RecordsContract and site photos
Next stepCarrier review
StatusIllustrative example
Status checked by your brokerPolicy terms and facts determine coverage
ActivityToday
9:14Reported once, to your broker
9:31Sent to the carrier with the file attached
10:05Adjuster assigned, direct line on file
CL
Next stepAdjuster call, your broker on the line
On calendarYour next year
deserves a fresh comparison.
- Upcoming projects and business changes considered
- Available coverage and prices compared
- Exclusions and payment terms explained
- You decide whether to stay or switch
CompareCurrent vs option
Side by sideProjectsThis year’s work→Next year’s plans✓
SubcontractorsCurrent mix→Updated operations✓
TermsCurrent policy→Available alternatives✓
Option BSelected✓
Stay or switch, your callIllustrative comparison, not a quote
ActivityToday
MonCurrent policy received, terms read
WedOptions placed side by side, coverage first
FriIllustrative comparison, not a quote, packet drafted
PDF
Renewal packetReady to sign
OpenWhat changes your quote.
A price for your work starts with an accurate picture of the business.
01
Your vehicles.
Type, value, weight and use affect available terms. Include trailers and special equipment, not just pickups.
02
Your drivers.
Driving records and experience can affect the quote. Tell us about new drivers before they use company vehicles.
03
Where you drive and park.
Garaging, travel radius, jobsites and cross-state work help carriers understand the exposure.
04
Your coverage choices.
Liability limits, collision, comprehensive and deductibles change both protection and price.
05
Your claims history.
Bring accurate loss information and documented changes to vehicle or driver practices.
Keep the rest of the business in view.
Start with the jobs you run and who does the work. We’ll help you build a program around both.
Your projects
LiabilityThe job and what followsOperations, contracts and subcontractors
General liability
Explore general liability→Help protect your business against covered injuries to others and property damage, including certain claims from completed work.
Your people
State rulesThe crew behind the buildPayroll, duties and injury protection
Workers’ compensation
Explore workers’ comp→Medical care and wage benefits for covered employee injuries. Check employee, owner and subcontractor treatment before a job starts.
The project
In progressFrom start to handoverThe building, materials and policy period
Builders risk
Explore builders risk→Help protect covered project property during construction. Check who arranges it, whose interests are insured and when protection ends.
Your equipment
On the jobOwned or rentedValues, storage and transport matter
Tools & equipment
Explore tools & equipment→Check protection for gear at the shop, in transit and on site, including rented equipment and theft conditions.
A better renewal starts with the policy you already have.
Already insured? Send it once. We compare it with today’s options.
Send
PDFCurrent policy.pdfGeneral liability · Auto · Workers’ comp
Policy received
Compare
Liability limit$1M$2M
Deductible$2,500$1,000
Annual premium$6,840$6,420
Choose
Current policy$6,840 / year
Option A$6,420 / yearSelected
Plain answers before the next job.
Commercial auto questions from general contractors.
Does a GC need commercial auto insurance?
Business-owned vehicles generally need a business auto policy. Personal policies can limit or exclude particular business uses, so describe how the vehicle is owned and used rather than assuming a pickup is covered because it looks like a personal vehicle. Your state and contracts may set additional requirements.
Are tools in my truck covered by commercial auto?
Not automatically. The vehicle and portable equipment are different insurance questions. Ask about tools and equipment coverage for items in transit, in storage and on the job. Theft conditions, scheduled-item limits and deductibles matter, including when gear is left in a truck overnight.
What is hired and non-owned auto coverage?
It can address certain business liability involving rented vehicles or vehicles the business does not own, such as an employee’s personal car used for work. It does not automatically cover physical damage to those vehicles or replace the owner’s insurance. Review the actual use and endorsements before relying on it.
Does the policy cover trailers and rented trucks?
Coverage depends on the policy, vehicle definitions, schedules and endorsements. Ask separately about liability and damage to the trailer or rented truck, then check the tools or materials being carried. Bring rental agreements and trailer details so required protection can be compared before the vehicle is used.
Can I add a driver or truck during the policy term?
You can request a change through your broker. The carrier may need driver, vehicle, garaging and usage details, and the premium may change. Ask for confirmation of the effective date and terms before relying on coverage. Do not assume every newly purchased vehicle or driver is automatically covered indefinitely.
How can I compare commercial auto quotes?
Use the same vehicle and driver information, then compare limits, covered vehicles, physical damage, deductibles, hired and non-owned coverage and payment terms. A lower monthly payment can reflect different protection. Riza helps explain the differences so you can choose with the whole business in view.
You build what comes next. Let’s help protect it.
Tell us about your projects, or bring the policy you already have.
Prefer to talk? Call +1 802-GOT-RIZA · Sun to Sat, 8am to 8pm ET