THE DETAILS THAT MATTER
From the subcontract agreement to the final walkthrough.
Define whether you self-perform work or subcontract most operations, and identify new residential, commercial, remodeling and development exposures.
Review subcontractor insurance requirements, written agreements, additional insured status and completed-operations language.
Match liability, payroll, vehicles and project property coverage to the actual contract.
Read the coverage boundaries.
Residential construction, wrap-up projects, uninsured subcontractors and designated operations may be restricted. Review the policy before accepting the project.
A common question
No. You still need to review your own policy, subcontract agreements and the way responsibility transfers under the contract.
Jesse Denno · CA insurance license #4503208 · Updated October 10, 2026