Why Does the General Contractor Keep Rejecting My Certificate of Insurance?
A certificate is evidence, not coverage. It reports what the policy says. When a general contractor’s risk manager rejects one, they have usually compared it against the subcontract and found something the policy behind it cannot actually deliver. Raising limits does not fix any of the four most common reasons. What gets a certificate sent […]
Do You Write Fire Protection Insurance Outside California?
Most of what a sprinkler or alarm contractor buys travels well across state lines. General liability, errors and omissions, umbrella and auto are written on national forms, and a contractor licensed in three states can usually be handled on one program. A few things do not travel, and those are worth knowing before you assume […]
My Experience Mod Jumped After One Claim. How Long Am I Stuck With It?
Because the rating period is fixed, the damage from one claim has an end date you can count. What varies is how much of the increase was real in the first place. A meaningful share of sharp jumps trace back to data rather than to safety, and data can be corrected — but only if […]
Does General Liability Cover a Mistake in Fire Sprinkler System Design?
The line runs between damage and defect. If a system discharges and ruins a tenant’s inventory, general liability is in the conversation. If the system was designed wrong and has to be reworked, the cost of the rework is a professional exposure, and most standard contractor forms exclude it outright. The awkward cases are the […]
Do I Need Workers’ Comp to Keep My C-16 License?
The exemption trips people up more than the requirement does. A C-16 licensee can file a no-employee exemption with the CSLB, and that exemption is genuine — but it closes the moment anyone goes on payroll, including a part-time helper or a family member drawing wages. Contractors who grow past one person and forget to […]
What Insurance Do Fire Protection Contractors Need?
Four lines do most of the work for a sprinkler, alarm or suppression contractor, and each one answers a different kind of claim. Knowing which is which is what keeps a contractor from discovering the gap during a loss rather than during a renewal. What each line actually covers: General liability with products and completed […]