Shagster has it right... if the building owner will go along with it. If not, then he needs to either buy GL/OCP coverage or he will have to rely on the subs to have insurance and specify the correct AI endorsements to properly cover himelf. Better be sure he is a good recordkeeper and uses reputabl...

I agre ewith Shagster!

In Tennessee, one does not have to be a licensed contractor to hire subs to remodel different aspects of their own building. The problem comes in underwriting such a risk. No standard company wants to take on the BI & PD long term exposures of a non licensed owner acting like a GC. OCP insurance...

Rob, It is going to be pretty hard to set him up as if he is a general contractor with all of those GL codes on a policy if he is not licensed as a general contractor. Most insurance companies do not like the OCP form as they think it exposes them to too much risk for too little premium. You might a...

Rob,

My opinion is that your Building owner still needs his own GL policy. Whether he uses insured subs or contracts with them direct merely goes to who pays the most premium for the exposures.

LOU

Most small business and residential construction in our area is now conducted with a GC acting as a central figure using 100% subbed labor for the actual work. Your building owner may have a large amount of coverage under the AI endorsement (if it is the right one) of the GC. That is, provided that ...

Is there a class for the Psyhic Readers that you see all over the place? I'd think that is where they'd class at least part of the GL. Of course, there would have to be many different exclusions, not the least of which would be some sort of professional liability endorsement stating that a failure o...