Send my requirement

For subcontractors

Your own policy, not someone else's

Being an additional insured on another company's policy gives you narrow protection. It is not the same as carrying your own.

Send my requirement

What additional insured status does and does not do

It is real coverage, but it is narrower than owning the policy.

When you are named as an additional insured, the other party's policy can respond to claims against you for work you did for them. That is genuinely useful.

What it does not do is cover claims that have nothing to do with that one contract, give you any control over the limits, or protect your loss history. Their claims department settles with their interests in mind, not yours.

Carrying your own policy means you choose the limits, you own the defense, and the loss history stays with you so it counts toward your own experience rating.

Read the subcontract. It almost certainly requires you to carry your own coverage, name them as additional insured and waive subrogation.

What the subcontract usually requires

Your own limits

Commonly one million per occurrence and two million aggregate.

Additional insured status

With ongoing and completed operations wording.

Primary and non-contributory

Your policy pays first.

Waiver of subrogation

Your carrier gives up the right to pursue them.

Getting covered and proving it

  1. Send us the subcontract's insurance page.
  2. We match limits and endorsements to the requirement.
  3. You bind, and the certificate is issued the same day.
  4. We send it to the general contractor and keep a copy on file for renewals.

Endorsements that most often cause a delay

Additional insured, when it is requested without completed operations

Waiver of subrogation, when it is not ordered with the policy

Primary and non-contributory, which some carriers will not grant on certain classes

Per project aggregate, which changes the aggregate rather than the occurrence limit

Subcontractor liability quote

Paste the requirement and we will quote to it rather than around it.