Reviewing your contractor insurance means checking a handful of high-impact things: your liability limits and completed operations, the endorsements your contracts require, your workers comp class codes, your tools and auto coverage, your subcontractor process, and the trade exclusions that could void coverage. This guide walks each, and a coverage review confirms it.
Start with the contract-critical items
First, check what your contracts demand: required liability limits, additional insured on a completed-operations basis, waiver of subrogation, primary and noncontributory, and per-project aggregate. Then confirm your policy actually carries each as an endorsement, not just on a certificate. This is where the most expensive surprises live, because a missing endorsement means breach or a denied claim.
Check the trade-critical items
Next, the things specific to how you work. Are your workers comp class codes accurate, and is field labor allocated correctly? Do you carry completed operations at adequate limits? Are your tools and equipment covered off premises? Do you have hired and non-owned auto if crews drive their own vehicles? And do any trade exclusions, residential, height, hot work, pollution, apply to your core operation?
Check the subcontractor items
If you use subs, your insurance includes theirs. Confirm you require adequate limits, additional insured status, and the sub's own workers comp, and that you verify the endorsements and keep certificates current. Uninsured subs are both a liability gap and a workers comp audit exposure.
When to get a second opinion
Do this review yourself at renewal and whenever a contract, a new crew, or a bigger job changes the picture. When the wording is complex, the stakes are high, or you are simply not sure, a coverage review puts a professional set of eyes on it, at no cost and no obligation.
