Builders working across state lines
The same eight coverages apply wherever you work. What changes across state lines is which ones have to be written where.
Third party injury and property damage caused by your operations.
Medical care and lost wages for your own injured employees.
Vehicles used in the business, including owned, hired and non owned.
Your tools and equipment against theft, damage and loss.
The project under construction, plus materials on site.
A guarantee of performance or payment, not a transfer of risk.
Extra limits above your underlying policies once those are used up.
Claims from design work and advice, which general liability excludes.
Map your work by state first, then check the licence requirement, the workers compensation rule and the insurance minimum for each one. A state by state list is the only reliable way to see the gaps.
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Tell us your trade, payroll and the states you work in. A licensed specialist will come back with real numbers.
