Contractor insurance, explained by the clause.

The coverage gaps that cost contractors a job — or a claim — usually come down to one endorsement, one exclusion, or one state statute. These guides break down the specific terms general contractors check for, state by state, in plain English. Educational only, not legal advice.

General Liability

General Liability overview

• New York Action Over Coverage for NY Contractors
  What action over coverage is, how NY's Scaffold Law drives it, and the endorsements (CG 21 39, employer's-liability exclusions) that quietly strip it.
• New York Hard vs. Soft Hammer Clause for NY
  In a NY contractor CGL, a hammer clause decides what happens when a sub lacks insurance: a hard hammer denies the claim, a soft hammer adds a big deductible.
• New York CG 20 10 vs CG 20 37 Additional Insured
  How CG 20 10 and CG 20 37 split ongoing vs completed operations, why the edition date matters in NY, and why a certificate of insurance is not coverage.
• Texas Anti-Indemnity Act (§151.102)
  The Texas Anti-Indemnity Act (Ins. Code §151.102) voids indemnity and additional-insured coverage for the GC’s own negligence. Fair notice and carve-outs.

Workers' Comp

Workers' Comp overview

• New York NY Grave Injury & WCL §11
  NY Workers’ Comp Law §11 bars indemnity against a sub’s employer unless there’s a “grave injury” or written pre-loss indemnity. The closed list explained.
• Texas Non-Subscriber EL Limits
  What GCs require of Texas non-subscribers: $1M/$1M/$1M employer’s liability, the §406.033 loss of common-law defenses, waiver of subrogation, and DWC Form-005.
• Pennsylvania Workers' Comp Requirements
  PA workers' comp requirements at one employee: Act 72 misclassification, officer exemptions, statutory-employer liability, penalties, and PCRB pricing.
• California CSLB Workers’ Comp Exemption
  How the CSLB workers’ comp exemption works in California, which licenses can’t use it (C-39 roofing always; SB 216 adds C-8, C-20, C-22, D-49) and the 2028 mandate.
• Florida Florida Workers’ Comp Ghost Policy
  A ghost policy is a minimum-premium workers’ comp policy for a no-employee business needing a COI. When it’s the right tool in Florida, and when it isn’t.
• Florida Florida Construction WC Exemption
  Florida’s construction workers’ comp exemption: the 10%-ownership rule, the max-3-officer cap, the $50 e-file, and why sole proprietors can’t self-exclude.

Talk to a broker

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