i am starting my own construction management business after many years of working for other people and contractors. i am finding that i either can’t get or liability insurance it is ski high expensive, too high for a start-up like me. i chose the description “construction management” becaus esomeone told me that this way the homeowner is actually hiring you as a sub as he would be all other subs, and he carries the insurance. ios this correct. any suggestions?
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Replies
You may or may not be technically responsible for anything, but that doesn't keep someone from sueing you anyway.
Insurance isn't just for huge, multi-million dollar settlements. It's also for the more minor disputes for a hundred thousand or so - Maybe enough to bankrupt you.
If it wasn't for muscle spasms, I wouldn't get any exercise at all.