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Construction Insurance Glossary: 25 Terms Every GC Should Know
Decoding the Insurance Lingo Construction insurance isn’t just about signing a policy and hoping you’re covered. You’re dealing with: This glossary gives general contractors, project managers, and subcontractors plain-English definitions of the 25 most important insurance terms you’ll run into on jobs—plus why each one matters. 💡 Tip: Bookmark this page for your team. It’s…
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Using AI: How to Ask Insurance Questions That Get Real Answers
Intro – Bad Questions Get Bad Answers Ever tried asking Google or Siri a question like: “Do I need insurance for a subcontractor?” …and got an answer that was either too generic or didn’t apply to your job? It’s not your fault. You just need to ask your construction insurance questions the right way. Whether…
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AI Checklist: Auto-Classify Construction Insurance Documents
Why AI Classification Is the Future of Construction Documentation In modern construction, documentation is everything—especially for insurance compliance, audits, and dispute resolution. But organizing those documents manually? It’s time-consuming. Error-prone. And risky. That’s why more contractors and project managers are using AI-based systems to auto-classify insurance documents by phase of construction. The Problem: Manual Insurance…
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What Is a Loss Run Report in Construction Insurance?
A loss run report is a document prepared by an insurance provider that outlines a contractor’s claims history. It includes details such as: In simple terms, it’s like a credit report for your business’s insurance record—showing how many times you’ve filed claims and how risky you are to insure. Why Do Insurers Ask for Loss…
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How Should I Document a Construction Site Injury?
Why Injury Documentation Matters Construction sites are among the most high-risk workplaces in the U.S. When an injury occurs, it doesn’t just trigger safety procedures—it sets in motion a legal and insurance process that demands accurate, timely, and thorough documentation. To comply with OSHA regulations, protect your company, and ensure the injured worker receives proper…
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What Documentation Is Needed to Meet Insurance Requirements?
The Insurance-Contract Link In construction, insurance and contracts are inseparable. To be properly insured, you need more than just an active policy—you need a contract that defines, supports, and reflects your insurance obligations. A construction contract often contains specific clauses that transfer risk, set insurance limits, and define who carries coverage. Failing to align contract…
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Is Documentation Different for Residential & Commercial Projects?
One Size Does Not Fit All Construction is never one-size-fits-all—and neither is the insurance documentation that supports it. While the core principles of construction insurance remain consistent—covering risk, proving compliance, and supporting claims—the actual documentation requirements vary significantly by project type. Whether you’re managing a residential home build, a commercial development, or a large civil…
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Why Do I Need a Certificate of Insurance from Every Subcontractor
Transferring Risk via COIs In construction, liability can shift quickly—and the financial consequences can be severe. That’s why a Certificate of Insurance (COI) is more than a formality. It’s tangible proof that your subcontractor carries active insurance, such as general liability, workers’ compensation, or commercial auto coverage. General contractors and project owners require COIs from…
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Can Documenting Safety Training and Incidents Lower Premiums?
Can Documenting Safety Training and Incidents Lower Construction Insurance Premiums? Introduction – Safety Records as a Measure of RiskIn construction, safety isn’t just a moral responsibility—it’s a business asset. Insurance companies assess risk before pricing your policy, and a company with a strong safety track record often receives better rates. The secret weapon? Documentation. Keeping…
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Prepare for a Construction Insurance Audit? Steps & Documents
Introduction – What Is a Construction Insurance Audit? If you’re a contractor or construction business owner, chances are you’ve received a notice of an insurance premium audit from your provider. Don’t panic—this is a standard process. Insurers conduct these audits (especially for workers’ compensation or general liability policies) to compare your estimated exposures—like payroll or…