Construction insurance, wrap-ups, and coverage decisions
From the Kavana blog and KCRI. Filter by what you are actually deciding.
Sep 7, 2026
A Cyber Coverage Form Was Attached. The Cyber Limit Was Still Unclear.
A business asked whether media liability was the same as cyber liability. Reviewing the policy materials raised a more consequential question: was the cyber coverage shown in the…
Sep 7, 2026
“Water Damage” Did Not Settle the Earthquake Sprinkler Leakage Question
A commercial lease permitted earthquake coverage to be excluded but required coverage for water damage caused by earthquake sprinkler leakage. The requirement also extended to business income. The…
Sep 7, 2026
A New ADU on an Existing Slab: New Construction or Remodeling?
An owner planned to demolish a detached garage and construct a new detached accessory dwelling unit on the existing slab. The primary residence was outside the described scope…
Sep 7, 2026
A Modest Renovation Can Leave a Much Larger Building Exposed
A rental-home renovation involved an interior refresh and roof replacement after the tenants moved out. The construction budget described the planned work. It did not describe the value…
Sep 7, 2026
When an Inspection Shows Upgrades but Cannot Tell You When They Happened
An older apartment property was being prepared for an insurance submission. The owner could describe recent roof work, and an inspection identified a mixture of older and newer…
Aug 16, 2026
Insuring a Home Remodel and New ADU Without Leaving the Existing House Exposed
Renovating a home while building an ADU? Here's why the existing house doesn't disappear during construction — and how to insure both correctly.
Aug 16, 2026
How Much Builders Risk Coverage Does a Major Remodel Actually Need?
A $700K remodel budget doesn't always mean $700K of exposure. Here's how to size builders risk coverage correctly for a major renovation.
Aug 16, 2026
Why You Can’t Just Lower the Existing Structure Value on a Builders Risk Policy
A $700K existing structure request to drop to $100K got declined mid-term. Here's why builders risk valuation isn't just a number you can change.
Jul 28, 2026
Workers’ Comp Market Outlook: Why California and Texas Are Moving in Opposite Directions (2026)
In most of the country, workers’ compensation rates are falling. Employers in California are seeing the opposite. Understanding why matters for any business running payroll in both states.…
Jul 27, 2026
KCRI Field Notes No. 002: When Less Insurance Is the Better Recommendation
KCRI Field Notes No. 002 — Client details and project information have been modified to preserve confidentiality while retaining the underlying insurance and risk management lessons. Executive Summary…
Jul 26, 2026
California vs. Texas Commercial Insurance: What Multi-State Contractors Need to Know
More California contractors and developers are taking on Texas projects, and the two states differ in ways that catch people off guard if they assume their California program…
Jul 26, 2026
How to Build a Certificate Tracking System That Actually Works
Our earlier piece, Why Certificate Tracking Fails on Large Construction Projects, covered why spreadsheets and email folders break down once a project has more than a handful of…