Medical Malpractice
Do Contractors Need Professional Liability Insurance If They’re Not a Design Firm?
Even contractors without a design license often take on design-build, design-assist, value engineering, or delegated design responsibilities that create professional liability exposure. Errors in plans, specifications, or professional advice — whether they come from you, your design subs, or consultants you coordinate — can trigger claims a standard general liability policy may not fully address. […]
How Can You Lower Your Workers’ Comp Experience Modification Rate (EMR)?
Your workers’ compensation experience modification rate (EMR, or “mod”) reflects how your injury frequency and severity compare to other contractors in your trade. It directly affects your premium and — for many GCs and public owners — your ability to prequalify for work. A high mod can knock you out of bid lists; a strong […]
What Insurance Limits Do You Need to Bid on a Construction Project?
We scrub the insurance and indemnity sections of your contract to identify required GL per-occurrence and aggregate limits, completed-operations duration, and any special endorsements — including additional insured requirements, primary and noncontributory wording, and waivers of subrogation. We match umbrella limits to the size and risk of the project. Smaller jobs may only need a […]
How Do You Increase My Bonding Capacity?
Sureties look for contractors with strong financials, disciplined management, and consistent profitability. Clean financial statements, accurate work-in-progress (WIP) reporting, and solid internal controls often matter as much as job history when a surety decides how much capacity you can support. Key ways to increase capacity: How Liberty helps: We build these pieces into a bonding […]