Guides10 guides5 states

Contractor insurance, explained by the clause.

The coverage gaps that cost contractors a job — or a claim — usually come down to one endorsement, one exclusion, or one state statute. These guides break down the specific terms general contractors check for, state by state, in plain English. Educational only, not legal advice.

Check a COI free →Call (484) 444-3503

General Liability

General Liability overview →

New YorkAction Over Coverage for NY ContractorsWhat action over coverage is, how NY's Scaffold Law drives it, and the endorsements (CG 21 39, employer's-liability exclusions) that quietly strip it.Read guide →New YorkHard vs. Soft Hammer Clause for NYIn a NY contractor CGL, a hammer clause decides what happens when a sub lacks insurance: a hard hammer denies the claim, a soft hammer adds a big deductible.Read guide →New YorkCG 20 10 vs CG 20 37 Additional InsuredHow CG 20 10 and CG 20 37 split ongoing vs completed operations, why the edition date matters in NY, and why a certificate of insurance is not coverage.Read guide →TexasTexas Anti-Indemnity Act (§151.102)The Texas Anti-Indemnity Act (Ins. Code §151.102) voids indemnity and additional-insured coverage for the GC’s own negligence. Fair notice and carve-outs.Read guide →

Workers' Comp

Workers' Comp overview →

New YorkNY Grave Injury & WCL §11NY Workers’ Comp Law §11 bars indemnity against a sub’s employer unless there’s a “grave injury” or written pre-loss indemnity. The closed list explained.Read guide →TexasTexas Non-Subscriber EL LimitsWhat GCs require of Texas non-subscribers: $1M/$1M/$1M employer’s liability, the §406.033 loss of common-law defenses, waiver of subrogation, and DWC Form-005.Read guide →PennsylvaniaPennsylvania Workers' Comp RequirementsPA workers' comp requirements at one employee: Act 72 misclassification, officer exemptions, statutory-employer liability, penalties, and PCRB pricing.Read guide →CaliforniaCSLB Workers’ Comp Exemption · CAHow the CSLB workers’ comp exemption works in California, which licenses can’t use it (C-39 roofing always; SB 216 adds C-8, C-20, C-22, D-49) and the 2028 mandate.Read guide →FloridaFlorida Workers’ Comp Ghost PolicyA ghost policy is a minimum-premium workers’ comp policy for a no-employee business needing a COI. When it’s the right tool in Florida, and when it isn’t.Read guide →FloridaFlorida Construction WC ExemptionFlorida’s construction workers’ comp exemption: the 10%-ownership rule, the max-3-officer cap, the $50 e-file, and why sole proprietors can’t self-exclude.Read guide →

Talk to a broker

Not sure which of these applies to your policy?

Send us your current certificate or policy and a licensed broker will tell you what's missing for the contracts you bid. Quote options typically within 2 business hours.

Request a quote →Check a COI

Serving all 50 states10+ carriers shoppedCOI in under 60 seconds