Insurance: The Small Detail That Can Cost You Municipal Work

One of the fastest ways to delay—or lose—a municipal job is discovering too late that your insurance certificate doesn’t meet the municipality’s requirements.

Having $2 million in Commercial General Liability coverage is often only part of the requirement. Many municipalities also require the municipality to be named as an additional insured before work can begin.

If your insurance broker needs several days to issue an updated certificate, you’ve just created a delay that another contractor may not have.

It’s worth calling your broker today and asking one simple question:

“If I need an additional insured certificate for a municipality tomorrow morning, how quickly can you get it to me?”

The answer might tell you whether your broker is geared toward commercial contractors—or primarily handles personal insurance.

It’s a small detail, but it’s one that catches more contractors than you might expect.

The $25,000 Sandbox explains how municipalities buy smaller jobs, how informal vendor lists work, and how to position your business to become one of the contractors they call.