The Local Insurance Insider

Hiring Subcontractors? Run These 4 Insurance Checks First

Hiring Subcontractors? Run These 4 Insurance Checks Firstby: Nicole RedinbaughPublished on: 13/10/2026

Hiring subcontractors? Four insurance checks every contractor should run first: written agreements, current COIs, matching GL limits and additional insured status.

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Hiring Subcontractors? Run These 4 Insurance Checks First

Why a Certificate of Insurance Isn’t Always Enough

Why a Certificate of Insurance Isn’t Always Enoughby: Nicole RedinbaughPublished on: 18/02/2026

A Certificate of Insurance proves you have coverage, but it doesn’t extend protection. Learn why contracts often require Additional Insured status and specific endorsements.

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Why a Certificate of Insurance Isn’t Always Enough