The GIB Insurance Blog — Page 3

On this page: trade-specific coverage, wrap-ups and California hazard rules

Page 3 leans into trade-specific contractor insurance — the exposures that differ between a roofer, a plumber, an HVAC contractor, a solar installer and a utility or pipeline crew. Each trade article explains which coverage lines an underwriter focuses on for that work and why: fall and completed-operations exposure for roofing contractors, pressurized systems and refrigerants for mechanical and HVAC contractors, live underground infrastructure for utility and pipeline contractors, and the auto, inland marine and pollution lines that carry extra weight for plumbers and solar contractors.

The remaining articles deal with conditions set by the project or the location rather than the trade. OCIP vs. CCIP explains what changes when a subcontractor is enrolled in a wrap-up program, and pollution liability covers a line many contractors assume their general liability already handles. The wildfire and seismic retrofit articles look at how California hazards show up in underwriting and builders risk, and contractors expanding east should read why Texas doesn't license general contractors before assuming California's rules carry over.