FAQs

No. Physical damage to the project under construction is a property matter, usually handled by builders risk or course of construction.

Yes, it is typically written per project, which is why timing matters. It generally should be in place before operations start.

As an additional insured you are added to the contractor’s policy and share in it. With OCP, you are the named insured on your own policy, which is direct ...

No. OCP protects the designated party, typically the owner. The contractor typically carries their own general liability separately.

Often yes. A contractor’s policy protects the contractor. Owners and other parties may want their own direct protection or additional-insured status, depending on the contract and the project. ...

It depends on size, complexity, who is involved, and what the contract requires. Smaller projects may use OCP or additional-insured status, while larger ones often use a wrap-up. ...

No. Builders risk, or course of construction, covers the building itself while it is under construction. This hub covers liability to other people. Most projects typically need both. ...

Not necessarily. A long-term landlord policy is built for tenants on a lease and may not fit frequent short stays. Short-term rental coverage is designed for the higher turnover ...

Often yes. Many California cities and counties require permits, registration, or taxes for short-term rentals, and some limit them. Checking your local ordinance before you host is a smart ...

Possibly. Even occasional hosting can trigger the business-use limits in a standard policy. How often you rent is one of the details we review.