Subcontractors and Coverage Gaps: What Every Restoration Firm Should Know

Subcontractors are part of almost every restoration project. But relying on them without understanding their insurance can create big risks for your firm.

Common issues include:

• Uninsured subcontractors. If they cause damage, you may be on the hook.

• Inadequate coverage. Some subs carry bare-minimum policies that don’t fully protect you.

• Missing additional insured endorsements. Without this, their coverage may not extend to your company.

• Contract gaps. If your subcontractor agreements don’t clearly require proof of insurance, you’re vulnerable.

One bad subcontractor claim can wipe out profits on an entire job — or worse.

That’s why ARI Brokers works with restoration firms to tighten up subcontractor coverage requirements. We’ll help you build contracts that demand proper insurance, verify certificates, and ensure you’re listed as an additional insured where needed.

By managing subcontractor risk up front, you avoid costly surprises later.

Don’t let subs become a liability. Talk to ARI about closing subcontractor coverage gaps.