Key coverage conversations
Every business is different. These are starting points for evaluating coverage, not a universal checklist of required policies.
Start with the work you do
Roofing, remodeling, electrical, plumbing, and general contracting can carry different underwriting requirements.
General liability
Review completed operations, subcontractor relationships, requests to add a project owner or customer to your liability policy, and contract wording.
Workers’ compensation
Florida construction rules deserve careful attention; confirm current requirements, including for owners and subcontractors.
Vehicles, tools and equipment
Commercial auto and inland marine or equipment coverage may help address exposures beyond a standard liability policy.
Jobsite contracts
Certificates, requests that the insurer not seek repayment from another party after paying a claim, and minimum limits should be reviewed before a project begins.
Example: work causes damage after completion
A customer reports that an installation failed months after the job ended. The contract, subcontractor arrangement, completed-work coverage, and policy exclusions may all matter. A certificate of insurance only summarizes information; it does not prove that a requested policy change to add another party was issued. Keep copies of the issued policy changes and current subcontractor documents.
Use project contracts as a checklist
Before accepting work, compare requested limits, additional-insured wording, completed-work obligations, waivers, and certificate deadlines with the issued policy. A request to “provide insurance” may contain several separate requirements. Ask which policy changes can be issued and what work they apply to. A certificate alone does not satisfy every clause.