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

By Eric Travers, Kegler Brown Hill + Ritter For subcontractors, change orders are a fact of life on construction projects. They can stem from design revisions, unforeseen conditions, impacts from general contractor (GC) decisions or interference from other trades, or owner-driven scope expansions. While change orders almost by definition mean more work—and potentially more revenue—they
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By James Yand, Miller Nash LLP The January 21, 2025, Executive Order (EO), titled “Ending Illegal Discrimination And Restoring Merit-Based Opportunity” was released and carries significant implications for federal contractors. Some of the implications for federal contractors include: Pay applications will now require certification that the general contractor does not operate DEI programs that violate
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The ASA Metro Washington Chapter joined forces with the National Association of Minority Contractors, DMV (District/Maryland/Virginia) Chapter and the Metro DC Hispanic Contractors Association to formulate a short paper that explains the issues and what can be done. Subcontractors in the construction industry are often expected to shoulder the financial burden of construction projects, acting
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By Shoshana Rothman, Merchants Bonding Tariffs on construction materials mean contractors likely face increased costs and availability issues that could disrupt project budgets and timelines. A trusted surety partner can help tame the turmoil that tariffs can impose by providing expert guidance on contracts. Contracts are an important way to proactively safeguard clients’ projects; reviewing
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By William Burke, Risk Strategies Company An insurance supplemental application is dreaded by agents and contractors alike. Most people involved with commercial insurance placements have completed a “supp app” as many call them. They are long, confusing, required and therefore synonymous with ‘punishment’. But for contractors wise enough to take a step back, they offer
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By Patrick Hogan, handle.com Small subcontractors face a unique challenge in large commercial construction projects—big opportunities come with big risks. Long payment cycles, retainage withholding, and contract terms designed to protect general contractors and developers can make cash flow unpredictable. Without a solid strategy for managing payments, small businesses can quickly find themselves struggling to
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