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.
Insights
Construction insurance, wrap-ups, and coverage decisions.
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.
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.
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.…
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…
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…
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…
The Contractor Insurance Checklist
A companion to the California Contractor Insurance Handbook — this is the working version. Use it at each stage of a project rather than reading it once and…
The California Contractor Insurance Handbook
Every licensed California contractor needs a baseline set of coverage to legally operate and to qualify for most general contractor and owner insurance requirements. What that baseline should…
The California Builders Risk Handbook
Builders risk insurance is the policy that protects the physical structure while it’s being built — and it’s also one of the most commonly misunderstood coverages on a…
The Question Every Developer Should Ask Before Buying Insurance
Before asking how much insurance costs, developers should ask what their project's biggest financial risks actually are. A better planning framework from KCRI.
Why Certificate Tracking Fails on Large Construction Projects
A certificate of insurance only proves coverage existed the day it was issued. Here is what owners should actually be checking to avoid claims disputes later.