Contact Us 619-589-8800


Contractor’s Insurance

Posted by Bradley Schuber | May 28, 2015 | 0 Comments

Prior to hiring a contractor, an association should confirm that the contractor has adequate insurance.  Specifically, an association should require evidence of 1) workers compensation insurance, 2) commercial general liability insurance, and 3) vehicle insurance.

First, if the contractor has any employees, then an association should require evidence of Worker's Compensation Insurance.  This type of insurance provides wage replacement and medical benefits to employees who are injured in the course of their employment.  By requiring the contractor to provide evidence of worker's compensation insurance, the association is protecting itself from potential claims of the contractor's employees in the event they become injured while working in the community.

Second, an association should request evidence of Commercial General Liability Insurance (“CGL”).  This type of insurance provides protection against bodily injury or property damage resulting from the performance of the contractor's work.  For this type of insurance, it is important to speak with the contractor's insurance broker directly and to request to be named as an “Additional Insured.”  Furthermore, the Association should request a copy of the CGL policy to check for specific exclusions.  One of the more common exclusions to look for in CGL policies is the “Multi-Family Developments” exclusion.

Third, if the contractor will be driving one or more company vehicles in the community, then it should request evidence of vehicle insurance.  This type of insurance protects the association and its members against bodily injury and/or physical damage resulting from the use and operation of a company truck, etc.  It is prudent to make sure that the association's contractors / vendors have adequate vehicle insurance as construction vehicles often vary in the manner in which they are maintained, and drivers vary in the manner in which they operate their vehicles.

In summary, an association should require that its contractors and vendors provide adequate proof of insurance prior to starting construction work in the community.  In the event that an association has questions about the adequacy of insurance or policy coverage, then it should consult with its own insurance broker or legal counsel.

About the Author

Bradley Schuber

Senior Associate Practice Areas: Community Association Counsel Construction Litigation Civil Litigation Brad Schuber is a Senior Associate with the Kriger Law Firm, APC, and is licensed to practice law in the states of California and New York. He is also admitted to practice in the United State...


There are no comments for this post. Be the first and Add your Comment below.

Leave a Comment

Comments have been disabled.


Kriger Law Firm is committed to answering your questions about Community Association General Counsel, Governing Document Revisions, Alternative Dispute Resolution, CC & R Enforcement Litigation, and Common Interest Development law issues in California.

We'll gladly discuss your case with you at your convenience. Contact us today to schedule an appointment.

The materials appearing on this website are provided for informational use only. They are in no way intended to constitute legal advice or the opinions of this law firm or any of its attorneys. You should not act or rely upon any information appearing on this website without seeking the advice of an attorney. Also, because the law is continually changing, the materials appearing on this website are not guaranteed to be correct, complete, or up-to-date.

Transmission and receipt of the information on the Kriger Law Firm website are not intended to create an attorney-client relationship, nor will the act of sending an e-mail to attorneys at Kriger Law Firm create an attorney-client relationship. Thus, we strongly advise against sending confidential or privileged information to us until you can establish such a relationship. Furthermore, we advise against sending privileged or confidential information through e-mail since we can in no way ensure the security of your e-mail.

Some jurisdictions would consider the materials appearing on this website to constitute advertising. The decision to hire a lawyer should not be based on the written information appearing on this website about the qualifications and experience of this firm and its members.

Links that may appear on this site are intended solely for your convenience in identifying and accessing other sources of information and are not to be construed as being endorsed by or affiliated with our office. Furthermore, Kriger Law Firm does not imply that it is legally authorized to use any trade name, registered trademark, symbol, logo, or seal that may be reflected in any of these links. Kriger Law Firm has sought to comply with all legal and ethical requirements in creating this website. Kriger Law Firm in no way seeks to use this website in any way as to represent anyone in a state where this site may fail to comply with the laws and ethical requirements of that state.