For general contractors, commercial electricians, HVAC, plumbing, crane operators, equipment-intensive contractors and specialty trades.
Project size, type of work, contractual requirements and subcontractor controls matter.
Vehicles, trailers, tools, rented equipment and mobile machinery need to stay current.
Fast certificate and endorsement communication can be critical when work is waiting.
For general contractors and trade contractors, the details behind the business often determine what matters most to underwriters and how the insurance program should be structured.
Additional insured status, waivers, indemnity language and subcontractor requirements should align with the work being performed.
Project type, size, geography and completed-operations exposure can change the insurance conversation.
Payroll, driver exposure, owned and rented equipment, tools and jobsite activity all need current information.
Parker can review the existing program, learn how the operation has changed, look at coverage structure and loss history, and identify items worth discussing before renewal or before approaching the market.
