Is This Certificate of Insurance Worth the Paper it’s Printed on?

Things can go wrong very quickly on any sort of construction project, and a $50,000 job can easily turn into a million-dollar liability. Proceeding without insurance coverage – be it for personal injuries, damage or loss to property, or just mistakes – is simply not worth the risk.

You also need to make sure all subcontractors are insured. Deal with valid certificates of insurance, and endorsements that name the contract parties as additional insureds.  And don’t forget to obtain new certificates and look for endorsements when policies renew.

Alexander Barthet is a board certified construction attorney in Florida and holds a B.S. in mechanical engineering. He manages The Barthet Firm, a construction law firm in Miami, and maintains a construction law blog at He can be reached at 305-347-5295 or