Licenses, permits, insurance, and legal protection.
2026 contractor insurance rates have surged 14% on average. Learn why premiums are doubling, which trades are hit hardest, and how to negotiate your renewal.
General liability covers third-party injuries and property damage. Builder's risk covers your project structure and materials from fire, theft, or vandalism.
A notice of intent to lien is a formal warning sent to a property owner 10 to 30 days before filing a mechanic's lien, demanding payment for completed work.
If your 1099 subcontractor lacks active workers' compensation, your policy covers their injuries and your carrier will bill you for their payroll during audits.
Contractor liability insurance cost averages $800 to $1,200 annually for a standard $1M policy, but hidden exclusions can leave you paying out of pocket.
To file a mechanics lien, send a preliminary notice when starting work, issue a Notice of Intent if unpaid, and record the lien at the county within 90 days.
Unpermitted work liability means you shoulder 100% of the financial risk for a project, voiding your insurance and risking your contractor's license.
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