What if I am not Additional Insured, or don’t have a contract or a hold-harmless?

Even if the contract with your subcontractor contains a properly worded hold-harmless, without you being Additional Insured on your subcontractors’ policies, your policy can be brought into any suit resulting from your subcontractors’ negligent acts while working for you. Without a contract in which your subcontractors are clearly holding you harmless, your General Liability insurance company may have to cover the loss and defend you if you are sued. They may seek reimbursement from your subcontractors’ insurance companies, or the subcontractors themselves. Your insurance premium could increase due to the greater exposure. Your insurance company may even decide not renew your coverage. (Please consider consulting an attorney if you need assistance in drafting contract language.)

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