What Your General Liability Policy Doesn't Cover | Contractor Insurance Explained with Rich Tygett

If you're a remodeling contractor who thinks your general liability policy covers everything — this episode is going to change how you see your insurance program.

In this episode of the Digital Remodeler podcast, host Carl sits down with Rich Tygett from IC Insurance Solutions, an insurance broker who has spent over 20 years working exclusively with general contractors. Rich breaks down the real gaps most contractors don't know they have — and what it could cost them if they don't fix it.

What we cover in this episode:

✅ Why most GCs call their insurance broker in a panic — and how to avoid it
✅ The biggest misconception contractors have about general liability coverage
✅ What your GL policy actually excludes (and what that means for your business)
✅ The #1 insurance mistake contractors make when working with subcontractors
✅ What to verify on every sub's certificate of liability before they step on your job site
✅ Why you should send your broker the insurance requirements BEFORE you bid a job
✅ How your insurance strategy should evolve as your business grows
✅ Online insurance platforms vs. working with a real broker — where contractors get burned
✅ The one question every GC should ask their broker (but almost never does)

Whether you're running a $500K remodeling company or scaling past a million, your insurance program needs to grow with your business. This conversation could save you from a costly gap in coverage at exactly the wrong moment.

🔹 Connect with Rich Tygett — IC Insurance Solutions:

🌐 icsinsolutions.com
📞 916-224-2270

🔹 Ready to grow your remodeling business with a real marketing system?

Schedule a free strategy session with Remodeling Marketing Team 👉 https://www.remodelingmarketingteam.com/started
📞 888-350-7859

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