Renovating a home while building an ADU? Here's why the existing house doesn't disappear during construction — and how to insure both correctly.
A $700K remodel budget doesn't always mean $700K of exposure. Here's how to size builders risk coverage correctly for a major renovation.
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.
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 — Client details and project information have been modified to preserve confidentiality while retaining the underlying insurance and risk management lessons. Executive Summary…
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…
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…
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…
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…
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…
Before asking how much insurance costs, developers should ask what their project's biggest financial risks actually are. A better planning framework from KCRI.
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.