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    • Been convicted of a felony in the past 5 years?
    • Declared bankruptcy in the past 3 years?
    • 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)

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