Had business-related lawsuits, mediations, or arbitrations filed against them?
Become aware of any losses, accidents, or circumstances that might give rise to a claim against this policy?
Any subcontractors you work with must carry coverage with limits greater than or equal to your own
You must obtain and store a certificate of insurance from each of your subcontractors listing you as an additional insured on their policy
In case of a claim related to your subcontractor, you will not be covered without this documentation
Your subcontractors must have all required licenses before performing work
Damage from driving or loading/unloading your automobiles (damage from moving stuff after it's unloaded is covered)
Damage to your tools or equipment (that's actually Inland Marine insurance)
Damage to yourself, employees, or subcontractors (that's Worker's Compensation insurance)
* Any damages related to abuse or molestation
* Damages from accessing or disclosing confidential or personal information
* Damages from foreign drywall contaminants
* Damages from your hiring, firing, or other employment practices
* Damages that existed before the start of the policy period or which progressed from previous damages
* Damaging or losing electronic data
* Exposure to fungi or bacteria
* Exposure to lead
* Exposure to silica or silica-related dust
* Fines, penalties, or other punitive damages
* Firearms
* Injury to employees
* Operating or servicing any manned or unmanned aircraft or watercraft (including drones)
* Physical or verbal violence
* Property damage to your work or your subcontractor's work
* Serving, selling, or distributing alcohol or allowing alcohol on premises
* Sexually transmitted diseases
* Suing or filing claims against your co-owners, partners, or employees.
* Working with pollutants or causing pollution