by anthonycapolotti | Sep 29, 2026 | general liability insurance for contractors
General liability insurance comes up constantly in construction, but the actual coverage often gets lumped together with workers’ comp, property insurance, or a general sense of “being covered.” That confusion matters, because general liability is...
by anthonycapolotti | Sep 28, 2026 | general liability insurance for contractors
“Am I covered enough?” is a harder question than it sounds. Too little coverage leaves you exposed on a claim that could sink the business. Too much, and you’re paying for protection you don’t actually need. Most contractors land somewhere in...
by anthonycapolotti | Sep 25, 2026 | general liability insurance for contractors
Most contractors don’t find out their coverage has a gap until it’s too late to do anything about it. A claim comes in, the policy doesn’t cover it the way they assumed, and now there’s a bigger problem than the original incident. The good news...
by anthonycapolotti | Sep 24, 2026 | general liability insurance for contractors
Two contractors doing similar work can end up with very different insurance bills, and it’s rarely because one of them found a secret discount. Premium is calculated from a specific set of factors, and understanding them makes it a lot easier to know whether a...
by anthonycapolotti | Sep 23, 2026 | general liability insurance for contractors
A large upfront premium followed by a year-end audit is the traditional way workers comp has worked for decades. For a contractor whose payroll rises and falls through the year, that structure can tie up cash exactly when it’s needed for materials, wages, or...
by anthonycapolotti | Sep 22, 2026 | general liability insurance for contractors
General liability insurance can sound abstract until an actual claim happens. Contractors often understand the concept in general terms without picturing exactly what kind of situation the policy is meant to handle. Here are realistic job site scenarios that show what...
