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As a subcontractor, we generally add prime contractors to our insurance certificate once a subcontract is awarded. Should it be a regular practice to remove primes from our certificate immediately once the contract has ended, or is there a close out period where coverage would still be required/recommended?

Does a prime have any contractual use of our insurance once the contract ends even if we don’t request that they be removed as certificate holders?

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You should be asking your lawyer and insurance company these questions. We dont know what insurance requirements are in your subcontract, what type of insurance you are referring to or what kind of coverage for the prime you are referring to.

As to your second question, you didn't explain what coverage you provide concerning the prime. If the general contractor is requesting some form of protection under your policy then your policy is modified by endorsement. I'm guessing that this is what you are referring to. Again, it depends upon your subcontract requirement and the additional coverage provided. In the event of a loss under the policy, are you insuring the prime for your acts, acts of the prime or acts of the prime and others?

Primes want to protect themselves from liability caused by subs. A prime doesnt want claims that will increase its experience modification factor, causing their workers compensation premium to increase.

That's why you should talk to your legal advisor and insurance professionals about what coverage you need.

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