Topic
General liability, workers comp, auto, and umbrella, and what each trade needs.
Coverage types and trade requirements
Workers compensation, employer liability, and general liability answer different questions. Confusing them is how an injury claim lands on the owner's policy.
Coverage types and trade requirements
A vendor's personal auto policy excludes business use. Hired and non-owned auto, symbol coverage, and the MCS-90 are where the gaps hide.
Coverage types and trade requirements
A $5,000,000 umbrella looks like it solves a $1,000,000 limit problem. Whether it does depends on follow-form language and the schedule of underlying policies.
Coverage types and trade requirements
A single requirement set applied to every vendor is either too strict for a landscaper or too loose for a roofer. Here is how the risk actually differs by trade.
Coverage types and trade requirements
The trades where you most need coverage are the trades a standard GL policy excludes. Contractors pollution and professional liability are the two policies that fill it.