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Residential vs. Commercial

owmythumb2's picture

Residential vs. Commercial (post #183596)

owmythumb2 on Mon, 01/25/2010 - 06:16
in

I have a commercial reno coming up that involves elec and plumb subs. I operate solo as a sole prop. This is the first larger scale job where I would have to oversee the subs for a time of around 3 weeks. Any advice on what to watch out for as far as
my Liability coverage now that I would be considered a GC.
In my state PA I can't get workers comp since I do not have any employees. Do I need some sort of rider to cover this job site?

Any info would be appreciated. Thanks

-A +A

Contact your insurance agent. (post #183596, reply #1 of 4)

by GoDadGo in reply to owmythumb2 [original] on Mon, 01/25/2010 - 07:55

Contact your insurance agent. Follow his/her advise strictly.

Do not let anyone work on your site prior to them issuing you a certificate of insurance. They are used to this. Their insurance is to come to you directly from their insurance agent. Do not accept a copy that they may try to hand you. If they give you any problems re: this than you have a clear indicator that this is the wrong sub.

You may consider using an AIA 401 subcontract. You can buy these online or at your local AIA store.

Any more questions please feel free to contact me directly. dseymour70@gmail.com

Good advice there. Your (post #183596, reply #2 of 4)

by davidmeiland in reply to owmythumb2 [original] on Mon, 01/25/2010 - 10:26

Good advice there. Your insurance broker should be able to provide you with a subcontract form to use that includes the indemnification/hold harmless language that your insurance carrier no doubt wants you to have. Each sub should sign a subcontract and issue you a certificate of insurance that meets with your broker's approval (I would fax every one of them to the broker for review if you have not done this before).

Aside from that.... scheduling. Talk to each sub in advance and get detailed info from them about what/when/where, so you can run the job smoothly.

Thanks for the info. I (post #183596, reply #3 of 4)

by owmythumb2 in reply to owmythumb2 [original] on Tue, 01/26/2010 - 06:28

Thanks for the info. I probably would have just accepted a copy of their certs. Much appreciated.

you may need lein waivers (post #183596, reply #4 of 4)

by PearceServices in reply to owmythumb2 [original] on Mon, 02/15/2010 - 05:29

you may need lein waivers signed by them as well, check to see if you will be required to sign one yourself. I would make them sign one regardless.

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www.SouthShoreRemodeling.com