Risk Transfer for Contractors Program

Tips and tools to help reduce your exposure to loss when work is performed by subcontractors.

As a contractor and a businessperson, it’s in your best interest to transfer your risks down to your subcontractors for their negligent acts performed on your behalf. The failure to transfer these risks to an at-fault subcontractor may make you responsible for their negligent acts, expose you to uninsured or underinsured liabilities, and result in higher insurance costs for your business. We provide the following suggestions to assist in your decision making.

3 steps to creating an effective risk transfer program

Understand the importance of proper contractual risk transfer

Review Risk Transfer for Contractors – Part I to learn how incidents involving subcontractors can lead to lawsuits against contractors, and see Contractual Risk Transfer Basics for an FAQ and glossary.


Know the 8 essential minimum contract requirements

Read Risk Transfer for Contractors – Part II to learn what provisions every contract you enter into with a subcontractor should contain, and why it’s always best to seek the counsel of a qualified attorney.


Use our handy tool to help implement your program

Check all the boxes on our Risk Transfer Setup Guide for Contractors on your way to establishing a proper risk transfer program to help protect your business against costly claims.


More about risk transfer

Construction-related loss control bulletins and forms

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