Contractors / San Francisco
The prime contract and the trade scope tell different stories.
A general contractor coordinates the whole project. A specialty contractor owns a defined part of it. The insurance submission should make that distinction clear.
General contractors
Coordinate the insurance responsibilities as carefully as the work sequence.
Start with the handoff between parties
The owner agreement and the subcontract package can ask different things of the same project. Review which party carries project property insurance, which entities need additional-insured status, and how the requirements reach the subcontractors.
For a tenant improvement with several trades, map the owner, tenant, general contractor, and subcontractors before assembling the insurance submission. Each has a different interest in the work.
Bring these responsibilities into view
- Owner-supplied insurance and any gaps left to the contractor
- Subcontracted work and completed-operations obligations
- Existing buildings, phased occupancy, and project extensions
Specialty trade contractors
Let the actual installation define the insurance discussion.
Start with the handoff between parties
A trade description alone may leave out the details that matter: work at height, hot work, water connections, subcontracted labor, or responsibility for materials before installation. Explain where your scope starts and where another trade takes over.
When a subcontract includes both supply and installation, identify who bears the risk while materials are stored and delivered. Do not assume that responsibility starts only when a crew reaches the site.
Bring these responsibilities into view
- The precise activities performed by employees and subcontractors
- Materials awaiting installation and tools moving between jobs
- Damage allegations that can arise after another trade covers your work