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. ...
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