Insurance Insights
Worth Reading.

What It Actually Means When a GC Adds You as Additional Insured

Do You Need Workers' Comp for Your 1099 Contractors?

Why Your $2 Million GL Policy Might Not Cover a $2 Million Claim

Flow-Down Clauses: The Contract You Never Signed That You're Still Bound By

Most subcontractors sign their subcontract and treat it as the complete agreement. A flow-down clause means it isn't. One sentence can make you responsible for a contract you've never seen.

Waiver of Subrogation: What You're Giving Up When You Sign It

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.