New contractTenant improvement · example
Received 9:41 AMInsurance requirementOwner’s insurance exhibit
Before mobilizationReviewing insurance language
Policy summary
General liability · general contractors
Check 1Injuries to others and damage to their property
Check 2Completed work and subcontractor terms checked
Check 3Owner requirements explained before you choose
The terms matter alongside the price.Coverage depends on policy terms and claim facts.
Claim
A renovation damages more than the room you’re working in.
ExampleDamage to the owner’s existing property can become a claim against your business, even when a subcontractor did the work.
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→
General liability for the business behind the build.
A damaged property. An injury on site. A problem after handover. Help protect your business with liability coverage reviewed for the projects you run and the work you subcontract.
Injuries to others and damage to their property- Completed work and subcontractor terms checked
- Owner requirements explained before you choose
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.
Your work · General liability
A renovation damages more than the room you’re working in.
Damage to the owner’s existing property can become a claim against your business, even when a subcontractor did the work.- We help check your general liability terms for resulting damage, subcontracted work and exclusions. Fixing defective work is a different question.
Bodily injury
A visitor trips over materials on site.
- Someone outside your crew is injured around the work.
- General liability may respond to a covered injury claim.
- Employee injuries and employer obligations need a separate review.
Completed operations
The handover is finished. A leak appears later.
- Completed work causes damage to the owner’s property.
- The defective work itself and resulting damage are different questions.
- Policy dates, exclusions and subcontractor wording can change the outcome.
Know what could change the answer.
These are the details to settle before the next project.
Subcontractor conditionsCheck required written contracts, insurance evidence and endorsements. Hiring an insured subcontractor does not automatically satisfy your own policy’s conditions.
Work the policy excludesResidential projects, structural work, height, demolition or other operations may be restricted. Disclose the whole scope, including subcontracted work.
Your work and completed operationsGeneral liability is not a performance warranty. Check resulting damage, your-work wording and any completed-operations restrictions together.
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
What you build.
Residential, commercial, structural work and occupied renovations can raise different coverage questions. Include what you subcontract as well as what you perform.
02
Who does the work.
Payroll, receipts and subcontractor costs may affect rating and audits. Keep records of duties, payments and subcontractor insurance.
03
The size and location of your projects.
Your largest jobs, states and construction methods help carriers assess the work. A familiar project size can still carry a new kind of risk.
04
The protection you choose.
Limits, deductibles, exclusions and required endorsements change the comparison. Check the full-term cost, not only the monthly payment.
05
Your claims and what has changed.
Bring accurate loss information and documented improvements. We help explain the business; the carrier decides the terms it can offer.
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.
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 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.
Your vehicles
On the roadTrucks, vans and driversLiability and vehicle damage are separate choices
Commercial auto
Explore commercial auto→Help protect the driving between projects. Review your trucks, drivers and use of vehicles you don’t own.
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.
General liability questions from general contractors.
What does general liability cover for a GC?
It can address covered claims for bodily injury to others, property damage, and certain personal and advertising injuries. It may also include defense for covered suits. The policy’s definitions, exclusions, limits and claim facts control. It does not replace employee injury coverage, business auto or builders risk.
Am I covered for work my subcontractor performs?
Your policy may respond to covered liability arising from subcontracted work, but do not assume that every operation or subcontractor is included. Some policies impose conditions or exclusions. Your subcontractor’s separate policy and additional insured endorsements also matter. Compare the subcontract, your policy and their actual evidence before the work starts.
Does GL pay to fix defective construction?
Not simply because the work is defective. Correcting your work and covering resulting injury or damage to other property are different questions. Your-work exclusions, subcontractor wording, state law and the facts can affect the answer. Bring the actual policy and description of what happened; a certificate cannot settle a construction-defect claim.
How much liability insurance should I carry?
There is no universal limit for every GC. Your projects, assets, contracts and available policies shape the decision. Compare the each-occurrence limit, general aggregate, completed-operations aggregate and any project-specific requirements. An umbrella may add limits over specified underlying policies, but it does not automatically fix exclusions in the primary policy.
Does a COI make the owner an additional insured?
No. A certificate is evidence of insurance, not an amendment to the policy. Additional insured status must come from the policy or an endorsement and may have conditions. If the owner asks for ongoing and completed-operations protection, confirm both rather than relying only on wording in the certificate’s description box.
What happens to completed-work coverage when I switch insurers?
Check continuity before cancelling. An occurrence policy generally responds based on when covered injury or damage occurs, not just when you performed the work. New exclusions or prior-work restrictions can affect the comparison. Bring the current and proposed terms to your broker, especially if your completed projects still create exposure.
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