Contractor Insurance Blog

This blog is built for contractors who need fast, plain-English answers about insurance and compliance. We publish guides on coverage basics (GL, workers’ comp, commercial auto), plus the paperwork that gets bids approved, COIs accepted, and jobs released to start. Our initial focus is roofing contractors, general contractors, and plumbing contractors in California and Texas. If you need coverage now, use Get a Quote. If you are an existing client and need documents, use Request a COI.
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Disclosures

What you will find here

Posts are designed to be skimmable, accurate, and usable during real bid and onboarding deadlines.

You will see topics like:

  • COIs and common endorsement requirements, explained clearly
  • Coverage basics by policy, what it covers, who needs it, and what affects cost
  • Audit and class code guidance to reduce surprise adjustments
  • Subcontractor compliance workflows and what to collect from subs

Popular topics to start with

If you are bidding or onboarding, start with compliance and checklists first.

Compliance essentials

Coverage basics

Resources and checklists

Browse by trade

Your trade and job types change underwriting, pricing, and which compliance items show up in bid packets.

Browse by location

We currently focus on California and Texas, serving metros and surrounding areas without fake local office claims.

Editorial standards and accuracy

Insurance is a regulated topic, so we prioritize clarity, disclaimers, and practical checklists over hype.

Our content is written to help contractors understand common patterns in coverage and compliance. It is general information, not legal advice. Requirements vary by contract, project, and carrier. For licensing details and limitations, see: 

Quick checklist (use this when a GC says “send insurance”)

This is the minimum info that prevents most COI and endorsement delays.

Have ready:

  • Certificate holder legal name and mailing address
  • Job name and job site address
  • Required limits (GL, Auto, WC, Umbrella if applicable)
  • Endorsements requested (Additional Insured, Primary and Noncontributory, Waiver of Subrogation)
  • Send-to emails (and any CCs)
  • Upload the requirement page from the packet when possible.

Fast lane

FAQs

Do you post legal advice about insurance requirements?
No. We provide general educational guidance. Requirements vary by contract, project, and carrier.

Is a COI enough for Additional Insured or Waiver of Subrogation?
Often no. A COI is proof of coverage at a point in time. Many requirements must be granted by endorsement when available and approved.

Which posts should I read first if I am bidding this week?
Start with the COI page and the three endorsement pages (AI, PNC, WOS), then use the COI checklist resource.

Which trades do you focus on?
Roofing contractors, general contractors, and plumbing contractors are the initial focus trades.

Which states do you serve?
California and Texas are the initial focus markets.

Can I request a COI if I am not a client?
COIs are issued for active policies. If you are not a client, start with Get a Quote so coverage can be quoted and bound first.

Where should I go if I want policy basics instead of blog posts?
Use the Policies hub: , or the Compliance hub:

How do I get help fast if a GC needs documents today?
If you are an existing client, submit the COI request form. If you are not, start with Get a Quote and note the deadline so routing is prioritized.

Get coverage structured correctly, then keep your paperwork bid-ready.
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