quote:
Yes I realize this is how it works. Been through many GL and comp audits to know better than to not have my sub certificates in hand but in the event that a non licensed sub is used me and my policy are responsible for it.

Trust me when I say I DO NOT have a roofing exclusion. I haven't since Hurricane Rita came through and I was running my own roofing crews. None of them at the time had their own policies so I took on the coverage and responsibility for the work but please keep telling me what I don't have.

A roofing crew with the correct GL and comp is going to cost a TON. It's almost cheaper as a GC if you do enough volume to hire a crew and just run it under your policy.

If that's all true, you are just a 1%er. That is all. 99% of GC policies that are written have roofing exclusions on them.

quote:
It's almost cheaper as a GC if you do enough volume to hire a crew and just run it under your policy.

What do you mean run it under your policy, most policies still don't cover roofing so if they are still uninsured, i don't get what you're getting at.

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Posted by stout

Smoking Crack with Hunter Biden

Member since Sep 2006

167506 posts

Posted on 6/10/14 at 1:21 pm to Chad504boy

I mean tell them my employees and not subs did the roof work and it falls under me and my policy.

If I were to mention that the roof crews were actually subs during an audit I have no doubt they would find a way to exclude the coverage because that's how the underwriters operate.

I may or may not pay my roof crews from a separate account so it doesn't show in my audit.

Shady but the insurance is so fricked that it's the only way you can come out on some stuff.

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