July 13, 2026
Waiver of Subrogation for Contractors: What It Means and When You Need It
What a waiver of subrogation means on a contractor's policy, how it works on workers' comp, GL, and auto, what it costs, and when a WC waiver is void.
Contractors & Construction
Risk management for general contractors, subcontractors, and construction firms.
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Explainers
July 13, 2026
ExplainersWaiver of Subrogation for Contractors: What It Means and When You Need It
What a waiver of subrogation means on a contractor's policy, how it works on workers' comp, GL, and auto, what it costs, and when a WC waiver is void.
9 min read
July 11, 2026
ExplainersCertificate of Insurance for Contractors: What GCs Require in 2026
What a contractor's certificate of insurance must show, the ACORD 25 fields GCs read, and the endorsement wording that gets certs rejected.
9 min read
June 17, 2026
ExplainersDo You Need Workers' Comp to Get a Contractor License? What We See at License Activation (2026)
Do you need workers' comp to get a contractor license? How the certificate gates activation, why roofers can't opt out, and the owner-exclusion choice.
10 min read
May 14, 2026
ExplainersHandyman Insurance Without an LLC or Contractor's License
You don't need an LLC or contractor's license to buy handyman insurance. How sole proprietors get a GL policy, costs, and state license thresholds.
11 min read
May 14, 2026
ExplainersPainter Insurance That Covers Overspray and Property Damage
Standard GL denies most overspray claims. What painter insurance covers, the pollution exclusion trap, CPL costs, and lead paint requirements.
8 min read
![General Liability Insurance for Contractors: What It Covers and What It Doesn't [2026]](/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2Fdxg2mabp%2Fproduction%2F34996e685d3f5bd75c95e9dba8478914e2d938ca-5504x3072.heif&w=3840&q=75)
May 3, 2026
ExplainersGeneral Liability Insurance for Contractors: What It Covers and What It Doesn't [2026]
What general liability insurance covers for contractors, what it excludes, and cost by trade. The 'your work' exclusion in plain English.
9 min read
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