The “Your Work” Exclusion in a General Commercial Liability Policy
- Best Practices, Contracts, Insurance, Legally Speaking, Risk Management
- July 26, 2022

By Gleb Tsipursky, Disaster Avoidance Experts Construction subcontractors face a practical AI problem that differs sharply from the one described in most corporate technology advice. A specialty contractor cannot measure success by how many emails, summaries, or estimates an AI tool produces. The work succeeds when a bid reflects the actual scope, a submittal matches
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By Cathy Tyler, NCCER Every contractor understands that safety begins long before the first tool comes out. It starts with a culture where everyone takes responsibility for looking out for one another. From daily toolbox talks to job hazard analyses, the industry’s strongest safety programs are built on the belief that every person deserves to
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By Sonya Bohmann, Construction Industry Alliance for Suicide Prevention Recently, I had the opportunity to present to a trade group in the Midwest. During the discussion, someone asked a question that I have heard in various forms many times before: “Are we creating a problem that does not actually exist by talking so much about
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By Christian Fernandez, Snell & Wilmer L.L.P. Winning the job is only half the battle. For many subcontractors, the real risk—and the real potential for lost profit—starts with the contract. Today’s subcontracts are often written to push as much risk as possible downstream. If you’re not reading carefully or pushing back where it matters, you
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by Doug Reitz – Director, Maxim Consulting Group Over the years, I have seen skilled subcontractors do outstanding work and then not get paid for it. It could be disputes that drag on for months, unforeseen delays, missed contractual deadlines or even a misunderstanding that escalated. For some owners and GCs, holding payment is the
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By Claire Wilson, Siteline The math has never been pretty. A general contractor negotiates 5% retainage with the owner, then turns around and holds 10% from its subcontractors. You absorb twice the financial burden for the same project risk—at margins that typically run 3 to 10%. For most subcontractors, the retainage being withheld is most
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