Insurance & Compliance Guide for Contractors
Complete guide to contractor insurance requirements, compliance, bonding, and risk management. Understand what coverage you need and how to meet GC and owner requirements.
You'll Learn:
Insurance & Compliance Confusion
✗Not sure what insurance coverage you actually need
✗GCs reject your COI because limits are too low
✗Don't understand bonding requirements or how to get bonded
✗Overpaying for insurance you don't need
Protect Your Business Properly
✓Know exactly what coverage you need for your work
✓Meet GC and owner insurance requirements confidently
✓Understand bonding and get qualified for bonded work
✓Reduce insurance costs through proper risk management
What's Inside the Guide
Insurance Coverage
- ✓
General Liability Insurance
What it covers, typical limits ($1M/$2M vs $2M/$4M), per-occurrence vs aggregate, and when you need umbrella coverage
- ✓
Workers' Compensation
State requirements, how rates are calculated by class code, experience modification (mod rate), and legal requirements by state
- ✓
Commercial Auto Insurance
Coverage for company vehicles, hired/non-owned auto coverage, and minimum limits required by GCs
- ✓
Builder's Risk & Tools
When you need builder's risk, inland marine for tools/equipment, and installation floaters
- ✓
Professional Liability (E&O)
Errors and omissions coverage for design-build or consultant work
Bonding & Compliance
- ✓
Performance & Payment Bonds
How bonding works, the three C's (character, capacity, capital), and how to get bonded for the first time
- ✓
Bid Bonds & Consent of Surety
Understanding bid bond requirements, consent of surety, and dual obligee bonds
- ✓
Certificates of Insurance (COI)
How to read and request COIs, additional insured endorsements, and waiver of subrogation
- ✓
Prevailing Wage & Certified Payroll
Davis-Bacon Act requirements, prevailing wage compliance, and certified payroll reporting
- ✓
DBE/MBE/WBE Requirements
Understanding diversity requirements on government projects and how to get certified
Risk Management Strategies
Safety Programs
Implementing safety programs to reduce claims and lower your workers' comp mod rate
Contract Review
Identifying unfavorable insurance clauses and negotiating better terms in subcontracts
Claims Management
Handling claims properly to minimize premium increases and protect your loss history
File Format
PDF Guide
Comprehensive 50+ page guide
Checklists
Insurance review and compliance checklists
Templates
COI request letters and bond applications
Who Is This For?
New Contractors
Starting out and need to understand insurance requirements
Growing Companies
Expanding into commercial work and need higher coverage limits
Government Bidders
Pursuing bonded government work and need to understand requirements
Cost-Conscious Owners
Want to reduce insurance costs without sacrificing necessary coverage
How to Use This Guide
Review Current Coverage
Use the insurance checklist to audit your current policies. Identify any gaps in coverage or limits that are too low.
Understand Requirements
Read the sections relevant to your work (residential, commercial, government). Learn what coverage levels you need to qualify for your target projects.
Talk to Your Agent
Have an informed conversation with your insurance agent. Use the guide to ask specific questions and get proper coverage at competitive rates.
Implement Risk Management
Use the risk management strategies to reduce claims and lower your insurance costs over time while protecting your business.
30-Day Money-Back Guarantee
Review your coverage with this guide. If it doesn't help you understand your insurance needs better, full refund within 30 days.
Protect Your Business Properly
Understand insurance, bonding, and compliance requirements
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