Self-performed work and subcontracting
Break out remodeling, additions, new construction, residential, and commercial work. Identify the trades performed by employees as well as those subcontracted.
If you supervise projects but also perform tile, carpentry, or concrete work, disclose both. “General contractor” alone leaves too much unsaid.
General contractor policy restrictions
- Subcontractor insurance conditions and written agreements.
- Designated operations and classification limitations.
- Residential, condominium and tract-home exclusions.
- Completed operations and required endorsements.
Coverage for self-performed and subcontracted work
If your employees install flooring, frame walls, or pour concrete, those operations belong in the application alongside project management. Check that the quoted liability classification and any designated-work endorsement include them.
For subcontracted work, review insurance requirements, written agreements, and completed-operations endorsements. A certificate from a subcontractor does not resolve every condition in your own policy.
Information for your quote
- Revenue, payroll and subcontractor costs
- Operations by trade and project type
- Largest project and typical contract size
- Current policies and subcontractor controls