About InsuredCrew.com

Contractor insurance, explained by someone who reads the forms. What a certificate actually promises, what additional insured status actually requires, and which of the two your contract is asking for.

What we do here

This is a reference site for people who build things for a living. It covers what each coverage does, what a construction contract can force you to carry, and where the paperwork most contractors handle every week quietly fails to do what they think it does.

The standards it holds itself to are short enough to state plainly.

  • Sources, not summaries. Where a policy behaves a certain way, we quote the form and link a published specimen of it. Where a state licenses a trade, the link goes to that state's board or its administrative rule. Anything we could not run down does not appear.
  • No premiums. This site prints no dollar figure for what coverage costs, because we have no source for one that discloses how it was measured. The cost guide explains every input that produces the number instead, which is the part you can actually act on.
  • Trade by trade, not "contractor" in general. A roofer, an electrician, and a tree service are three different underwriting problems. Pages are written per trade for that reason.

An agent network is being built. When it opens, this page will explain how it works and how we are paid, in the same detail. Until then, take what you find here to a licensed agent. The best starting point is what insurance a contractor needs.

Who is behind it

The publisher is Insured Brand Group. The person responsible for what goes up is Ryan England. InsuredCrew.com is one of several trade-specific sites published under Insured Brand Group.

My background is six years working alongside the marketing team of a multi-state auto insurance company. That job is where I learned how insurance is priced and sold, what happens to a lead after someone fills in a form, and why so much of what a contractor finds when searching for coverage was written to rank rather than to be right.

Pages are drafted by the InsuredCrew.com editorial team and read by me against their sources before they publish: the ISO form specimen, the ACORD form's own language, the state licensing rule, the IRMI or NAIC entry. Claims that could not be traced back to one of those get cut, and a fair number have been.

The Texas Department of Insurance issued me a General Lines property and casualty license, number 3552440. It is why the pages here can tell you what an additional insured endorsement does to a policy, rather than repeating what a contract told you to go get.

I do not sell you anything from this site. InsuredCrew.com does not quote, bind, or sell coverage, Insured Brand Group is not an insurance agency, and nothing here is insurance advice. The site is educational. When the matching service opens, it puts you in front of independent licensed agents who write contractor policies, and the policy you buy is written by one of them.

What we are not

  • Not a carrier. We do not underwrite, issue, or service policies.
  • Not an agency. The company behind this site holds no producer license, in Texas or anywhere else.
  • Not your advisor. The site is educational. Decisions about your own coverage belong with a licensed professional who has seen your contracts.

Any coverage referenced here is sold by independent licensed professionals, who are responsible for their own compliance, their quotes, and the policies they write.

Why contractors specifically

Because in this trade the insurance problem is usually a paperwork problem, and general small business content never gets near it. A contractor's coverage is shaped less by what could go wrong on site than by what the contract upstream demands: limits, additional insured status, primary and noncontributory wording, waivers of subrogation, and a certificate produced on a deadline. Getting one of those subtly wrong does not show up until a claim, or until a general contractor stops the work.

That is the axis this site is organized on. The document everyone exchanges and few read is taken apart on certificates of insurance; the phrase every homeowner asks about is on bonded and insured; and the split that decides who carries what is on general contractor versus subcontractor. The trade pages then apply it to the actual work, from roofing to electrical.

We start in Texas, where the first agent relationships are being built, and that work is on Texas contractor insurance.

Privacy and compliance

Privacy rights under the California Consumer Privacy Act, the Texas Data Privacy and Security Act, and the applicable federal rules are honored here, opting out of data sales included. Both documents spell it out: the Privacy Policy and the Terms of Service.