Are there issues I need to deal with concerning Certificates of Insurance? Am I required to name my clients as additional insured?
Am I required to endorse my policies with a waiver of subrogation? Endorse my general liability policy with an aggregate per project or to be primary & non-contributory?
What about Subcontractors exclusion, Contractual Liability Coverage alternatives, Subcontractors insurance requirements warranty, or Pollution Exclusion alternatives?
What are Umbrella and Excess Liability, Contractors Professional Liability, Construction Management Liability? What do I need to know about them?
What are the consequences to my business if an employee of my subcontractor is injured on one of my projects?
Is our General Liability coverage limited to activities on our Premises?
Are all entities that we do business under listed as named insured on our General Liability policy?
How do we verify that subcontractors have proper Liability insurance coverage?
What is an Installation Floater and why would I need one? Do we have equipment that is subject to perils in a variety of locations?
Would my property insurance cover materials once they are removed from my property? While an installation is in-process are the materials I have installed covered?
As the values of my materials on the job changes, does my coverage reflect those differences?
If we are storing materials, equipment, machinery, and supplies on the jobsite, are they covered?
What is Inland Marine Insurance and why would I need it? Would my property insurance cover tools and equipment that are not physically on my property?
Do we use boom lifts or cherry-pickers on job sites? What are the limitations on any coverage I may have for equipment and tools?
If we rent equipment for use on a job site, is it covered? If so, what are the limits?
Are there parts of our operation that could be exposed to a Pollution liability claim? Would a general liability policy cover Pollution or do most such policies exclude Pollution coverage?
How could we be obligated to pay for bodily injury, property damage, or cleanup due to a Pollution event?
Can we just assume that the Pollution exclusions used in general liability policies by different insurance companies are fairly uniform?
What about vehicles we own & operate? Do they create Pollution liability exposure?
Are all autos titled under the name of the business? What are the limits of liability we purchased under the current business auto policy? Do we ever pull trailers?
Do our employees ever use their own vehicles for business purposes? Do we sometimes rent autos for business?
Do we have equipment attached or wrap painted on any units? Are we carrying tools or goods?
Do I need Insurance for Overwater Operations? Do we work on seagoing vessels?
Are we working in shipyards? Do we work anywhere adjacent to Navigable Waters?
What is an Umbrella or Excess Liability policy and why do we need it? Do we sign contracts that require us to carry higher liability limits than we currently carry?
Do we have operations that, by their nature, have an amount of risk that could generate a larger loss than our current liability insurance would cover?
Do our clients, or prospective clients, expect operations such as ours to have higher liability insurance limits than we currently have?
Do we need our Umbrella or excess Liability policy to extend to territory outside of the U.S.?
If we have an Umbrella or Excess Liability policy, will its coverage extend to Additional Insured, Waiver of Subrogation of our primary liability policy?
Is our Umbrellas or Excess Liability policy 'pay on behalf of' or 'reimbursement' basis? Does the policy term run concurrent with our primary Liability policy?
Should you buy the damage waiver offered by the Rental Company? Should you use the coverage offered by your Credit Card Company?
Should you purchase hired physical damage coverage from your Insurance Provider?
Are our employees running errands for our business with their own automobiles? If so, do we have Non-Owned Auto Liability coverage?
Do we run Motor Vehicle Reports on employees using their own autos for business?
Do we know if these employees have automobile Liability Coverage? If so, do we know how much?
Are we comfortable with our current Hired Non-Owned Auto liability limit?
Do we have Hired Auto Liability coverage?
If we are renting a car out of state, will our current Texas Workers' Comp cover our employees in those cars?
What about business or personal property left in a rental car?
Do we send employees to foreign countries? If so, and any of them are injured, what insurance do we have to cover the cost of medical care and repatriation?
Do we send employees to countries with a history of kidnapping foreigners? If so, would we benefit from kidnap and ransom insurance?
Do we rent vehicles in foreign countries? If so, how do we insure that?
