What does general liability cover?
What it covers, what it doesn't and which policy fills each gap.
Quick guides · In Spanish
Business insurance, explained in under a minute.
Short videos for contractors and small businesses. The videos are in Spanish, and we're happy to answer your questions in English.
General liability
General liability: $1M vs. $2M
What per-occurrence and aggregate limits mean, and when you need an umbrella.
What happens if you don't pay your GL?
How a cancellation notice works and how to get reinstated in time.
Workers' comp
Your workers' comp audit
Why the carrier checks your actual payroll at the end of the policy year.
No employees? Do you need workers' comp?
What the law says, what GCs ask for and the owner-only option.
Class codes: why workers' comp costs what it does
How your trade's code sets your rate, and what the wrong one costs you.
Subcontractors and your insurance
Why you should get a current COI from every sub before they start.
Certificates and contracts
What is a COI?
What your certificate of insurance shows and when you'll be asked for one.
What is an additional insured?
Adding your customer or GC to your policy, and why it has to be on the certificate.
Certificate holder vs. additional insured
Two different things on your certificate, and how to tell which one they need.
Still have questions?
Message us and we'll walk you through your situation. We quote in all 50 states.