KCRI / RESOURCES
Category: KCRI Guides
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…
Jul 26, 2026
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…
Jul 26, 2026
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…
Jul 26, 2026
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…
Jul 25, 2026
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.
Jul 25, 2026
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.
Jul 25, 2026
Five Mistakes Developers Make When Purchasing Builders Risk Insurance
The most common, and costly, mistakes developers make when purchasing Builders Risk insurance - from underinsuring replacement cost to buying on price alone.
Sep 3, 2025
Who needs builders’ risk insurance and when to buy it?
Builder's risk insurance protects a project while it is being built or renovated, covering work in place, materials, and temporary structures against events like fire, theft, and storms.…
Sep 3, 2025
Do small construction businesses need their own contractors’ insurance?
Small construction firms should carry contractors insurance in their own name, not rely on a GC or client policy. This guide explains the core coverages most small contractors…
Sep 3, 2025
What does general liability cover on a construction site?
General liability on a construction site is designed for third-party claims, not your own injuries or the cost to redo faulty work. This guide explains what construction general…