Contractor Insurance Requirements: What Clients & GCs Actually Demand

The four things every contract really asks for

Most subcontract agreements ask for the same four things, just worded differently across GCs. If your program can deliver these cleanly, you can win bids without renegotiating insurance terms:

• $1M/$2M GL limits — sometimes $2M/$4M for higher-risk trades
• Additional insured status — for the GC and often the owner, on an ISO CG 20 10 / CG 20 37 form
• Waiver of subrogation — in favor of the GC on GL and WC
• Primary and non-contributory wording — your policy responds first, not the GC's

What we add to make certificates frictionless

We endorse blanket additional insured and blanket waiver of subrogation language onto contractor policies wherever the carrier allows it. That means a single certificate works for new clients without re-issuing endorsements every time you bid a job.