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Insurance Essentials for General Contractors | Chris Montana | Victory Risk Management [#005]
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Insurance Essentials for General Contractors | Chris Montana | Victory Risk Management [#005]
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In this episode, Chris Montana discusses various aspects of insurance for general contractors. He shares his background and the founding of Victory Risk Management. The baseline insurance requirements for general contractors are explored, with a focus on general liability insurance. The importance of umbrella policies and determining the need for them is discussed. Chris also explains how insurance rates are configured and addresses misconceptions about insurance costs in bids. The importance of understanding insurance policies and exclusions is emphasized, along with the coverage provided by workman's compensation insurance. The conversation covers topics related to workers' compensation insurance, experience modification rate (EMR), subcontractors and workers' compensation, protecting owners in construction projects, and transitioning from construction to consulting.