Resources · Contracts and COIs
Contracts and COIs: the long answers.
Every article here is written from the seat, cites the statute where there is one, and ends with the honest tradeoff.
Topic
8 articles on contracts and COIs
- Contracts and COIs · 9 min read
Bonds are not insurance. Public work needs both.
A bond pays the city and the surety expects every dollar back from you. Insurance pays the claim. Bid, performance, payment, and permit bonds, side by side. Read the article - Contracts and COIs · 9 min read
Certificates in under a day: what has to already be true
A fast certificate of insurance is preparation, not speed: the endorsements that have to already be on the policy, the holder list, and a complete request. Read the article - Contracts and COIs · 9 min read
HOA contracts: what the board's template asks for and what to push back on
What an HOA board's template asks a Colorado landscaper or plow operator for: additional insured, hold harmless, snow indemnity, herbicide, sidewalk clocks. Read the article - Contracts and COIs · 8 min read
Primary and non-contributory: what the GC is really asking for
Primary and non-contributory tells your carrier to pay first and not ask the GC's carrier for help. What the clause does, where it lives, and what it costs you. Read the article - Contracts and COIs · 8 min read
Waiver of subrogation, in plain English
Subrogation is your carrier's right to go after whoever caused a loss it paid. A waiver gives that up for the GC. What it does on comp, GL, and auto. Read the article - Contracts and COIs · 8 min read
Additional insured vs certificate holder: the two-paragraph version
A certificate holder gets a piece of paper. An additional insured gets a piece of your policy. The two-paragraph version, then what goes wrong at claim time. Read the article - Contracts and COIs · 9 min read
How to read a GC's insurance requirements without a lawyer
A GC insurance exhibit, clause by clause: limits, additional insured forms, primary and non-contributory, waiver of subrogation, umbrella, and notice. Read the article - Contracts and COIs · 9 min read
Subcontractor with no insurance? That's your claim now.
An uninsured sub's injury, utility strike, or wrecked truck comes to you. The certificate to collect, additional insured, and the audit charge. Read the article
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