Phone-Only Inspection
Used for contractors whose operations can be evaluated by phone based on the size and type of work performed.
Contractor Insurance Inspections
Phone and jobsite inspection reports for contractors, trade professionals, and construction-related risks. When gross sales exceed the applicable threshold or the exposure requires it, we complete a jobsite inspection with photographs.
Phone-Only Inspection
Used when operations can be evaluated by phone based on the size and type of work performed.
Jobsite Inspection
Used when sales or exposure require field review, including photos of an active jobsite.
Subcontractor Review
We document subcontractor usage, contracts, insurance controls, and safety practices.
High-Hazard Activity Review
We confirm activities that can materially affect contractor liability exposure.
Two Ways We Inspect Contractors
Contractor inspections may be completed by phone or as a jobsite inspection with photographs, depending on the account size, gross sales, and exposure.
OR
Contractor Jobsite Inspection
Used when gross sales exceed the applicable threshold or when the exposure requires a field review. Includes photographs of an active jobsite.
What We Review
TFS reviews contractor operations, subcontractor controls, work mix, and higher-hazard activities to support general liability underwriting.
Contractor Operations
- Type of contractor operations
- Residential, commercial, and industrial work mix
- New construction vs. remodel or repair
- General contractor vs. artisan contractor
- License requirements and state licensed in
- Workers compensation coverage confirmation
- Written safety program and staff reviews
- Employee vs. subcontracted work
- Tools, equipment, and vehicle usage
- Jobsite safety practices and controls
Subcontractor Controls
- Whether subcontractors are used
- Written contracts with subcontractors
- Hold harmless clauses in subcontractor contracts
- Additional insured status on subcontractor policies
- Certificates of insurance from subcontractors
- Workers compensation carried by subcontractors
- Written safety program requirements for subcontractors
- Safety program reviews with subcontractors
Higher-Hazard Activities
- Asbestos removal
- Pile driving, shoring, or underpinning
- Blasting
- Demolition
- Railroad easement work
- Synthetic stucco / EIFS
- Work above 3 stories
- Cranes, cherry pickers, manlifts, or personnel lifts
- Mold remediation
- Caisson work
- Controlled burns or debris burning
- Underground work
Why It Matters for Underwriters
Contractor risks can vary widely by trade, job type, subcontractor usage, safety controls, and whether hazardous work is performed.
Confirms Actual Operations
Verifies work type, revenue mix, contractor classification, and scope of operations.
Identifies Subcontractor Risk
Documents contracts, hold harmless wording, additional insured status, and insurance controls.
Documents High-Hazard Work
Captures activity that can increase the potential for severe liability losses.
Provides Jobsite Visibility
When photos are required, jobsite review helps underwriters see the actual exposure.
Supports Better Decisions
Accurate contractor data helps underwriters evaluate and price risk with confidence.