More coverage and endorsement articles: trades, professional liability and cyber
The second page of Coverage & Endorsements picks up where page 1 leaves off. Page 1 works through the endorsement wording that shows up in almost every construction contract; this page applies those ideas to specific kinds of businesses — roofing contractors, utility and pipeline contractors, commercial general contractors and residential remodelers — and to two exposures that sit outside general liability entirely: professional liability for engineers, and cyber risk.
Engineering and design-build firms should start with engineering contract clauses that increase E&O risk and design-build engineering claims and risk management, which look at how the professional services agreement and a design-build role change a firm's professional liability exposure. Any business that moves money by email should read how AI is changing the cyber threat, which explains why business email compromise has become harder to spot. For contractors, the loss run and third-party administrator articles cover the documents carriers and GCs check most often.
Coverage & Endorsements — page 2
Cyber Insurance vs. General Liability: Where One Stops and the Other Starts
General liability answers for injury and property damage; cyber insurance answers for data, networks and money moved on false instructions. Here is where the line usually falls.
By David Gleason · Published August 24, 2026 · Updated October 11, 2026
When a Contract Requires Cyber Insurance: What to Check Before You Sign
More owners, general contractors, lenders and agencies now write cyber insurance into their agreements. Here is how to read the requirement before it becomes a condition you cannot meet.
By David Gleason · Published August 24, 2026 · Updated October 11, 2026
Wire Fraud and Payment Diversion: Cyber Insurance, Crime Insurance, or Both?
A redirected payment is the most common cyber-related loss for many businesses, and the one most likely to fall between policies. Here is how cyber and crime forms divide it.
By David Gleason · Published August 24, 2026 · Updated October 11, 2026
Ransomware and Cyber Insurance: What a Policy May Do After an Attack
When systems are encrypted and a demand appears, a cyber policy can fund the response — but the steps in the first hours matter. Here is what to know before it happens.
By David Gleason · Published August 24, 2026 · Updated October 11, 2026
The Questions on a Cyber Insurance Application, and Why Underwriters Ask Them
Cyber applications are short, but almost every question is about a control that stops a real attack. Here is what you will be asked and what underwriters are looking for.
By David Gleason · Published August 24, 2026 · Updated October 11, 2026
How AI Is Changing the Cyber Threat Facing California Businesses
Every business email compromise scheme depends on sounding convincing enough that someone acts before they double-check. Generative AI has made that step dramatically easier fo
By David Gleason · Published August 24, 2026 · Updated October 11, 2026
Utility and Pipeline Contractor Insurance in California
Utility and pipeline contractors work in some of the highest-consequence conditions in construction — underground infrastructure, live utilities, and public rights-of-way — which s
By David Gleason · Published August 24, 2026 · Updated October 11, 2026
Roofing Contractor Insurance in California
Roofing is one of the trades underwriters scrutinize most closely, given fall exposure and the completed-operations risk of a roof that fails to keep water out. Getting the coverag
By David Gleason · Published August 24, 2026 · Updated October 11, 2026
Commercial General Contractor Insurance in California
A commercial general contractor's own coverage has to work correctly across every subcontractor, every active job site and every piece of equipment moving between them at once — a
By David Gleason · Published August 24, 2026 · Updated October 11, 2026
Residential Remodel Contractor Insurance in California
Remodel work on an occupied home carries a different exposure profile than new construction — homeowners and their belongings are on site, older homes can hide unexpected condition
By David Gleason · Published August 24, 2026 · Updated October 11, 2026
What Is a Loss Run, and Why Carriers Ask for One
It's genuinely common — not rare — for a contractor who's been in business three, five or more years to have never pulled a loss run before, and to find out what one is only when a
By David Gleason · Published August 24, 2026 · Updated October 11, 2026
What a Third-Party Administrator Does for Certificate and Endorsement Tracking
By David Gleason · Published August 24, 2026 · Updated October 11, 2026
Design-Build Engineering Claims & Risk Management
Design-build can put engineers closer to the construction schedule, procurement process and contractor's cost pressure than traditional owner-designer work...
By David Gleason · Published August 24, 2026 · Updated October 11, 2026
Engineering Contract Clauses That Increase E&O Risk
Many professional liability problems begin before design work starts — inside the professional services agreement. An engineer can perform to the ordinary...
By David Gleason · Published August 24, 2026 · Updated October 11, 2026