{"id":1774,"date":"2023-06-02T09:00:00","date_gmt":"2023-06-02T09:00:00","guid":{"rendered":"https:\/\/teague.local\/?p=1774"},"modified":"2023-05-01T19:17:05","modified_gmt":"2023-05-01T19:17:05","slug":"protect-yourself-when-working-with-contractors","status":"publish","type":"post","link":"https:\/\/www.teagueins.com\/2023\/06\/02\/protect-yourself-when-working-with-contractors\/","title":{"rendered":"Protect Yourself When Working with Contractors"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"h-one-of-the-most-effective-and-simplest-ways-of-protecting-your-organization-from-liability-due-to-contractors-and-subcontractors-operations-is-with-additional-insured-coverage\"><strong>One of the most effective and simplest ways of protecting your organization from liability due to contractors\u2019 and subcontractors\u2019 operations is with Additional Insured coverage.<\/strong><\/h2>\n\n\n\n<p>Liability insurance covers you from losses due to claims your company, its employees or products or services caused harm or wrong to a third party. Sometimes, however, your organization can be considered \u201cvicariously liable\u201d when another business, such as a subcontractor, causes harm when doing work on your behalf. In these cases, you would want the contractor or other business\u2019 policy to apply rather than yours.<br><br>There are two ways to obtain coverage under another entity\u2019s policy. In the first, \u201ccontractual indemnity,\u201d your contract with the other party requires it to \u201cindemnify,\u201d or cover you for any liability costs resulting from your joint operations. Alternatively, you can also require the other party to name your firm as an additional insured under its insurance policy.<br><br>However, obtaining additional insured status often provides greater protection than contractual indemnity. Some states and courts look unfavorably on contractual indemnity because subcontractors who want business sometimes have little bargaining power. Additional insured coverage, on the other hand, causes no such problems.<br><br>For your contractor to provide you with \u201cadditional insured\u201d coverage, it must obtain an additional insured endorsement, which modifies its general liability policy. Unlike the policy owner (or \u201cnamed insured\u201d), the additional insured has no responsibility for keeping any records needed for determining premiums, paying premiums or reporting claims.<br><br>When you require additional insured coverage under another organization\u2019s policy, you\u2019ll probably ask for a certificate of insurance to provide proof of coverage. Be aware that the certificate provides proof that the coverage existed on the date the certificate was issued. The named insured can cancel coverage without providing notice to you. You can request the insurer to provide you thirty days\u2019 notice of cancellation or nonrenewal of the endorsement. However, the certificate is not part of the policy and not binding on the insurer. In the case of large or high-risk projects, you can request that the contractor modify its policy with an endorsement that obliges the insurer to provide this notice.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Considerations for Subcontractors<\/h3>\n\n\n\n<p>If the shoe is on the other foot and you are a subcontractor, obtaining additional insured endorsements for contractors and providing the required certificates can be an administrative hassle. To solve this problem, you can buy a blanket additional insured endorsement. This provides additional insured coverage to any party with which you enter a contractual agreement (typically a construction contract or equipment rental contract).<br><br>Blanket additional insured endorsements are not as desirable for the additional insured. Blanket endorsements do not name specific additional insureds, so the insurer cannot provide notice of cancellation or nonrenewal. They usually provide narrower coverage as well \u2014 for example, many of these endorsements state that coverage ends when operations are completed. This could be construed to eliminate coverage for claims that occur during operations but aren\u2019t filed until later. For more information on covering additional insureds, please contact us.<\/p>\n\n\n\n<p><a id=\"disclaimer\" href=\"https:\/\/smartspublishing.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Article Courtesy of SmartsPublishing.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>One of the most effective and simplest ways of protecting your organization from liability due to contractors\u2019 and subcontractors\u2019 operations is with Additional Insured coverage.<\/p>\n","protected":false},"author":1,"featured_media":1778,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[13,22],"tags":[],"class_list":["post-1774","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","category-business"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.2 (Yoast SEO v27.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Protect Yourself When Working with Contractors - Teague Insurance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.teagueins.com\/2023\/06\/02\/protect-yourself-when-working-with-contractors\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Protect Yourself When Working with Contractors\" \/>\n<meta property=\"og:description\" content=\"One of the most effective and simplest ways of protecting your organization from liability due to contractors\u2019 and subcontractors\u2019 operations is with Additional Insured coverage.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.teagueins.com\/2023\/06\/02\/protect-yourself-when-working-with-contractors\/\" \/>\n<meta property=\"og:site_name\" content=\"Teague Insurance\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/TeagueInsuranceAgencyInc\" \/>\n<meta property=\"article:published_time\" content=\"2023-06-02T09:00:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.teagueins.com\/wp-content\/uploads\/2023\/05\/Article_June2023_ContractorProtection.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"900\" \/>\n\t<meta property=\"og:image:height\" content=\"600\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"buchanan\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@TeagueInsurance\" \/>\n<meta name=\"twitter:site\" content=\"@TeagueInsurance\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"buchanan\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.teagueins.com\\\/2023\\\/06\\\/02\\\/protect-yourself-when-working-with-contractors\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.teagueins.com\\\/2023\\\/06\\\/02\\\/protect-yourself-when-working-with-contractors\\\/\"},\"author\":{\"name\":\"buchanan\",\"@id\":\"https:\\\/\\\/www.teagueins.com\\\/#\\\/schema\\\/person\\\/56a66c7931e865a3f6cf418709cd4753\"},\"headline\":\"Protect Yourself When Working with Contractors\",\"datePublished\":\"2023-06-02T09:00:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.teagueins.com\\\/2023\\\/06\\\/02\\\/protect-yourself-when-working-with-contractors\\\/\"},\"wordCount\":509,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.teagueins.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.teagueins.com\\\/2023\\\/06\\\/02\\\/protect-yourself-when-working-with-contractors\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.teagueins.com\\\/wp-content\\\/uploads\\\/2023\\\/05\\\/Article_June2023_ContractorProtection.jpg\",\"articleSection\":[\"Insurance\",\"Business\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.teagueins.com\\\/2023\\\/06\\\/02\\\/protect-yourself-when-working-with-contractors\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.teagueins.com\\\/2023\\\/06\\\/02\\\/protect-yourself-when-working-with-contractors\\\/\",\"url\":\"https:\\\/\\\/www.teagueins.com\\\/2023\\\/06\\\/02\\\/protect-yourself-when-working-with-contractors\\\/\",\"name\":\"Protect Yourself When Working with Contractors - Teague Insurance\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.teagueins.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.teagueins.com\\\/2023\\\/06\\\/02\\\/protect-yourself-when-working-with-contractors\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.teagueins.com\\\/2023\\\/06\\\/02\\\/protect-yourself-when-working-with-contractors\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.teagueins.com\\\/wp-content\\\/uploads\\\/2023\\\/05\\\/Article_June2023_ContractorProtection.jpg\",\"datePublished\":\"2023-06-02T09:00:00+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.teagueins.com\\\/2023\\\/06\\\/02\\\/protect-yourself-when-working-with-contractors\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.teagueins.com\\\/2023\\\/06\\\/02\\\/protect-yourself-when-working-with-contractors\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.teagueins.com\\\/2023\\\/06\\\/02\\\/protect-yourself-when-working-with-contractors\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.teagueins.com\\\/wp-content\\\/uploads\\\/2023\\\/05\\\/Article_June2023_ContractorProtection.jpg\",\"contentUrl\":\"https:\\\/\\\/www.teagueins.com\\\/wp-content\\\/uploads\\\/2023\\\/05\\\/Article_June2023_ContractorProtection.jpg\",\"width\":900,\"height\":600,\"caption\":\"Handshake between businessman and contractor\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.teagueins.com\\\/2023\\\/06\\\/02\\\/protect-yourself-when-working-with-contractors\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.teagueins.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Protect Yourself When Working with Contractors\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.teagueins.com\\\/#website\",\"url\":\"https:\\\/\\\/www.teagueins.com\\\/\",\"name\":\"Teague Insurance\",\"description\":\"San Diego\u2019s Trusted Insurance Source Since 1954\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.teagueins.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.teagueins.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.teagueins.com\\\/#organization\",\"name\":\"Teague Insurance\",\"url\":\"https:\\\/\\\/www.teagueins.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.teagueins.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.teagueins.com\\\/wp-content\\\/uploads\\\/2019\\\/01\\\/Teague_Horizontal_Color.jpg\",\"contentUrl\":\"https:\\\/\\\/www.teagueins.com\\\/wp-content\\\/uploads\\\/2019\\\/01\\\/Teague_Horizontal_Color.jpg\",\"width\":2482,\"height\":937,\"caption\":\"Teague Insurance\"},\"image\":{\"@id\":\"https:\\\/\\\/www.teagueins.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/TeagueInsuranceAgencyInc\",\"https:\\\/\\\/x.com\\\/TeagueInsurance\",\"https:\\\/\\\/www.instagram.com\\\/teagueinsuranceagency\\\/\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/teague-insurance-agency-inc-\\\/?viewAsMember=true\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.teagueins.com\\\/#\\\/schema\\\/person\\\/56a66c7931e865a3f6cf418709cd4753\",\"name\":\"buchanan\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6ebcbe416260e5594620f508789dc74282b10c6550b8d5d71dd32119812b384c?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6ebcbe416260e5594620f508789dc74282b10c6550b8d5d71dd32119812b384c?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6ebcbe416260e5594620f508789dc74282b10c6550b8d5d71dd32119812b384c?s=96&d=mm&r=g\",\"caption\":\"buchanan\"},\"url\":\"https:\\\/\\\/www.teagueins.com\\\/author\\\/buchanan\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Protect Yourself When Working with Contractors - Teague Insurance","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.teagueins.com\/2023\/06\/02\/protect-yourself-when-working-with-contractors\/","og_locale":"en_US","og_type":"article","og_title":"Protect Yourself When Working with Contractors","og_description":"One of the most effective and simplest ways of protecting your organization from liability due to contractors\u2019 and subcontractors\u2019 operations is with Additional Insured coverage.","og_url":"https:\/\/www.teagueins.com\/2023\/06\/02\/protect-yourself-when-working-with-contractors\/","og_site_name":"Teague Insurance","article_publisher":"https:\/\/www.facebook.com\/TeagueInsuranceAgencyInc","article_published_time":"2023-06-02T09:00:00+00:00","og_image":[{"width":900,"height":600,"url":"https:\/\/www.teagueins.com\/wp-content\/uploads\/2023\/05\/Article_June2023_ContractorProtection.jpg","type":"image\/jpeg"}],"author":"buchanan","twitter_card":"summary_large_image","twitter_creator":"@TeagueInsurance","twitter_site":"@TeagueInsurance","twitter_misc":{"Written by":"buchanan","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.teagueins.com\/2023\/06\/02\/protect-yourself-when-working-with-contractors\/#article","isPartOf":{"@id":"https:\/\/www.teagueins.com\/2023\/06\/02\/protect-yourself-when-working-with-contractors\/"},"author":{"name":"buchanan","@id":"https:\/\/www.teagueins.com\/#\/schema\/person\/56a66c7931e865a3f6cf418709cd4753"},"headline":"Protect Yourself When Working with Contractors","datePublished":"2023-06-02T09:00:00+00:00","mainEntityOfPage":{"@id":"https:\/\/www.teagueins.com\/2023\/06\/02\/protect-yourself-when-working-with-contractors\/"},"wordCount":509,"commentCount":0,"publisher":{"@id":"https:\/\/www.teagueins.com\/#organization"},"image":{"@id":"https:\/\/www.teagueins.com\/2023\/06\/02\/protect-yourself-when-working-with-contractors\/#primaryimage"},"thumbnailUrl":"https:\/\/www.teagueins.com\/wp-content\/uploads\/2023\/05\/Article_June2023_ContractorProtection.jpg","articleSection":["Insurance","Business"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.teagueins.com\/2023\/06\/02\/protect-yourself-when-working-with-contractors\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.teagueins.com\/2023\/06\/02\/protect-yourself-when-working-with-contractors\/","url":"https:\/\/www.teagueins.com\/2023\/06\/02\/protect-yourself-when-working-with-contractors\/","name":"Protect Yourself When Working with Contractors - Teague Insurance","isPartOf":{"@id":"https:\/\/www.teagueins.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.teagueins.com\/2023\/06\/02\/protect-yourself-when-working-with-contractors\/#primaryimage"},"image":{"@id":"https:\/\/www.teagueins.com\/2023\/06\/02\/protect-yourself-when-working-with-contractors\/#primaryimage"},"thumbnailUrl":"https:\/\/www.teagueins.com\/wp-content\/uploads\/2023\/05\/Article_June2023_ContractorProtection.jpg","datePublished":"2023-06-02T09:00:00+00:00","breadcrumb":{"@id":"https:\/\/www.teagueins.com\/2023\/06\/02\/protect-yourself-when-working-with-contractors\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.teagueins.com\/2023\/06\/02\/protect-yourself-when-working-with-contractors\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.teagueins.com\/2023\/06\/02\/protect-yourself-when-working-with-contractors\/#primaryimage","url":"https:\/\/www.teagueins.com\/wp-content\/uploads\/2023\/05\/Article_June2023_ContractorProtection.jpg","contentUrl":"https:\/\/www.teagueins.com\/wp-content\/uploads\/2023\/05\/Article_June2023_ContractorProtection.jpg","width":900,"height":600,"caption":"Handshake between businessman and contractor"},{"@type":"BreadcrumbList","@id":"https:\/\/www.teagueins.com\/2023\/06\/02\/protect-yourself-when-working-with-contractors\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.teagueins.com\/"},{"@type":"ListItem","position":2,"name":"Protect Yourself When Working with Contractors"}]},{"@type":"WebSite","@id":"https:\/\/www.teagueins.com\/#website","url":"https:\/\/www.teagueins.com\/","name":"Teague Insurance","description":"San Diego\u2019s Trusted Insurance Source Since 1954","publisher":{"@id":"https:\/\/www.teagueins.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.teagueins.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.teagueins.com\/#organization","name":"Teague Insurance","url":"https:\/\/www.teagueins.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.teagueins.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.teagueins.com\/wp-content\/uploads\/2019\/01\/Teague_Horizontal_Color.jpg","contentUrl":"https:\/\/www.teagueins.com\/wp-content\/uploads\/2019\/01\/Teague_Horizontal_Color.jpg","width":2482,"height":937,"caption":"Teague Insurance"},"image":{"@id":"https:\/\/www.teagueins.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/TeagueInsuranceAgencyInc","https:\/\/x.com\/TeagueInsurance","https:\/\/www.instagram.com\/teagueinsuranceagency\/","https:\/\/www.linkedin.com\/company\/teague-insurance-agency-inc-\/?viewAsMember=true"]},{"@type":"Person","@id":"https:\/\/www.teagueins.com\/#\/schema\/person\/56a66c7931e865a3f6cf418709cd4753","name":"buchanan","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/6ebcbe416260e5594620f508789dc74282b10c6550b8d5d71dd32119812b384c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6ebcbe416260e5594620f508789dc74282b10c6550b8d5d71dd32119812b384c?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/6ebcbe416260e5594620f508789dc74282b10c6550b8d5d71dd32119812b384c?s=96&d=mm&r=g","caption":"buchanan"},"url":"https:\/\/www.teagueins.com\/author\/buchanan\/"}]}},"_links":{"self":[{"href":"https:\/\/www.teagueins.com\/wp-json\/wp\/v2\/posts\/1774","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.teagueins.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.teagueins.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.teagueins.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.teagueins.com\/wp-json\/wp\/v2\/comments?post=1774"}],"version-history":[{"count":0,"href":"https:\/\/www.teagueins.com\/wp-json\/wp\/v2\/posts\/1774\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.teagueins.com\/wp-json\/wp\/v2\/media\/1778"}],"wp:attachment":[{"href":"https:\/\/www.teagueins.com\/wp-json\/wp\/v2\/media?parent=1774"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.teagueins.com\/wp-json\/wp\/v2\/categories?post=1774"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.teagueins.com\/wp-json\/wp\/v2\/tags?post=1774"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}