General Contractor —
Mid-Atlantic

A general contractor managing a large commercial construction project came to Richardson Insurance Group (RIG) with a common but costly problem — their subcontractor insurance requirements were inconsistent and the exposure was falling on them.

Without standardized coverage requirements or a centralized compliance system, the contractor faced significant liability gaps, delays caused by uninsured incidents, and increasingly complex claims handling.

Key Issues Included:

• Inconsistent insurance coverage across subcontractors
• Liability risk defaulting to the general contractor when subcontractors were underinsured
• Project delays stemming from uninsured incidents
• No centralized certificate of insurance (COI) tracking
• Complex, fragmented claims handling
• No formal, onsite safety leadership or risk mitigation program

RIG developed a comprehensive, subcontractor risk management program built around standardized insurance requirements, contractual risk transfer, centralized compliance tracking, and proactive safety leadership.

Standardized Insurance Requirements for All Subcontractors Included:

• General Liability Insurance
• Workers’ Compensation Insurance
• Commercial Auto Insurance (where applicable)
• Umbrella / Excess Liability

Contractual Risk Transfer Measures Included:

• General contractors named as “additional insured” on all subcontractor policies
• Waiver of subrogation included across contracts
• Indemnification clauses structured to properly transfer risk

CCIP / OCIP Integration:

Where applicable, a Contractor-Controlled Insurance Program (CCIP) or Owner-Controlled Insurance Program (OCIP) was implemented to centralize coverage, reduce gaps, control costs, and streamline claims handling.

Safety and Risk Mitigation:

An in-house Director of Safety was deployed to identify and reduce onsite hazards, enforce safety protocols and training, and lower both incident frequency and severity.

Compliance and Monitoring:

• Centralized COI tracking with digital verification
• No site access permitted without confirmed, valid coverage

The integrated program produced measurable improvements across safety, compliance, and project performance, including:

• Reduced liability exposure for the general contractor
• Fewer safety incidents and claims
• Faster, more efficient claims resolution
• Improved subcontractor compliance rates
• Fewer project delays due to insurance-related issues