Expert insights, industry trends, and practical tips for protecting your contracting business
Almost every contract asks you to name the GC or owner as additional insured. Here is what that endorsement actually does, the difference between ongoing and completed operations, and the wording that quietly costs contractors money.
Read More →The premium audit at the end of your policy year is where contractors get hit with unexpected five-figure bills. Here is exactly what auditors look at, the three mistakes that cost the most, and the records to have ready.
Read More →California's wildfire rebuild market is the biggest contractor opportunity in a generation, and the toughest insurance environment. What builder's risk, general liability, and workers' comp look like for fire rebuild work in 2026, and what carriers now require in fire hazard zones.
Read More →Texas is the only US state where workers' compensation is elective. This guide explains the practical difference between subscriber and non-subscriber status for Texas contractors, the real-world risk of going bare, and when each makes sense.
Read More →A 24-hour playbook for California contractors when a property damage claim hits. What to document, who to call, what your general liability policy may cover, and how CSLB licensing intersects with the claim.
Read More →Complete 2026 guide to Texas public works bonding — McGregor Act thresholds, Texas Government Code §2253 rules, and the bond amounts contractors must post to bid on state, county, and municipal projects.
Read More →Complete 2026 guide to Arizona public works bonding — ARS §34-222 thresholds, payment bond deadlines under §34-223, and what contractors need to bid on state, county, and municipal projects.
Read More →Complete 2026 guide to Nevada public works bonding — NRS Chapter 339 thresholds, NSCB licensing overlap, and what contractors need to bid on state, county, and municipal projects in Nevada.
Read More →Complete 2026 guide to Florida public works bonding — Florida Statutes §255.05, $100K payment bond thresholds, FDOT and Miami-Dade requirements, and what contractors need to bid Florida public projects.
Read More →Complete 2026 guide to New York public works bonding — State Finance Law §137 payment bonds, §138 pay-if-paid rules, and what contractors need to bid NY state, city, and MTA projects.
Read More →Complete 2026 guide to Washington State public works bonding — RCW 39.08 thresholds, contractor registration requirements, and what contractors need to bid state, county, municipal, and port projects.
Read More →Complete 2026 guide to Colorado public works bonding — C.R.S. §38-26-106 requirements, CDOT thresholds, and what contractors need to bid Colorado state, county, and municipal projects.
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