FIELD NOTES
Describe the work
List every trade you perform, the residential/commercial split, new construction versus remodeling, working heights and any roofing, excavation or hazardous-material operations.
FIELD NOTES
Gather the numbers
Bring projected gross receipts, payroll by employee duty, subcontractor costs, equipment values, vehicle schedules and the current policy. Estimates should reflect the coming policy year.
FIELD NOTES
Bring the contract
The insurance exhibit shows required limits, additional insured forms, primary and noncontributory wording, waivers and completed-operations requirements. Review it before the start date.
FIELD NOTES
Compare the terms
Ask about exclusions, deductibles, defense costs, audit exposure, installments and fees. A premium comparison is useful only when you understand the coverage behind it.
Written for contractor insurance reviews with Jesse Denno · CA insurance license #4503208 · October 7, 2026. General information; individual policy terms and current requirements control.