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Educational content to help you navigate insurance decisions with confidence. Not legal or regulatory advice — always speak with a licensed professional for guidance specific to your situation.
Indemnify vs Defend — Two Contract Words Your Insurance Handles Differently
When you agree to indemnify another party, you are agreeing to be financially responsible for losses they suffer because of your work. Your general liability policy is built to handle this — within limits. Specifically, your policy covers liability you have assumed in what is called an insured contract. Most standard construction agreements qualify under this definition.
Your Insurance Is Fine. Your Contract Isn't.
Most contractors carry solid insurance and still end up with denied claims. The problem usually isn't the policy — it's the contract they signed before the job started. Wayne Watley breaks down the three contract clauses that create the most coverage problems for contractors in the Ark-La-Tex region.
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Our articles are educational only and not legal or regulatory advice. For coverage guidance specific to your situation, speak with one of our licensed agents — no obligation, no pressure.