The playbook · PDF
Covered or Exposed?The general contractor’s playbook for subcontractor insurance compliance
A working book for a general contractor’s office. It explains what a subcontractor’s insurance does and does not do for you, how to read a certificate and the endorsements behind it, and how to run the collecting, checking and chasing with the team you have.
Get the playbook
Your details come to us so we know who is reading it. You will not be added to a mailing list.
What is inside
- The hidden risk in every subcontract
- Insurance 101
- The certificate of insurance
- Endorsements that protect you
- Red flags and fake certificates
- The premium audit trap
- Setting requirements by risk tier
- Writing insurance into the subcontract
- A five-step compliance system
- Working with small subcontractors
- Wrap-ups and subcontractor default insurance
- State rules
- Choosing tools
- A 30-day plan
Plus a toolkit at the back: checklists, email templates and worksheets to copy.
Who it is for
- The operations manager, contracts administrator or office manager who collects the certificates and chases the renewals.
- The owner or the person who runs the finances, who signs the insurance terms with the project owner and carries the loss when a subcontractor turns out not to be covered.
- A project manager who wants to know what to ask a subcontractor for before they start on site.
The playbook explains how subcontractor insurance works in general. It is not legal or insurance advice: for a decision about a contract or a policy, ask your attorney or your broker.
Check every certificate against your own requirements, not a standard set.
WatchMyCover holds what your subcontracts require and measures each certificate against it, with the reason for every verdict. Or check one certificate now, free and with no account.