Free checklist
Bidding commercial work? Get the checklist first.
Two pages. Twelve things a Colorado excavation, landscaping, or snow contractor needs in place before the first COI request lands in the inbox. Enter your email and it's usually in your inbox within a few minutes.
The preview
What's on it
- General liability without the XCU exclusion if you dig; with the snow operation disclosed if you plow
- Commercial auto on every truck that works, including the pickup with the plow
- Equipment schedule at replacement values, not the 2019 price
- Workers compensation from the first employee, seasonal included
- Hired and non-owned auto for crews who drive their own trucks
- The insurance exhibit from your biggest contract, read before you sign it
Plus six more, with the contract language to watch for and the question to ask your GC, your HOA, or the county before you bid. Each item links to the long version on this site: general liability, commercial auto, equipment, workers comp.
The one thing most contractors miss on it: hired and non-owned auto. If a crew member drives their own truck to your job and hits someone, that's your claim.
The checklist
Where should it go?
Is this a sales pitch?
It is the list we go through with every new client, written down. Anyone can have it, client or not. You will get a handful of emails after it, one idea each, and unsubscribing takes one click.
Do I have to buy anything?
No. The checklist is educational content available to anyone. It is not conditioned on a quote, a call, or a purchase.