Thirty years ago the job was done with a handshake .. in 2007 the Contractor could be doing a job for his sister and if she saw a hint of moisture in the corner of a window she would SUE HIM for all he is worth! Most GL policies sold in CA to Contractors have extensive requirements pertaining to the...

I agree with the suggestions posted, however, those of us located in CA - especially those writing small artisan Contractors - do NOT have carriers willing to list both entities on the same policy. So now what?!?

Wholesale or Direct appointment - doesn't matter - CBIC does include a Manifestation Clause Endt (CG2010 paper) on all of their policies. And although the Plastering Code is listed as available they only allow INTERIOR Plastering, nothing exterior.

AARIS won't take it either.

SCIF, of course (at 3% commission).

About 15 years ago I had an insured ask to photograph my breasts !

I declined and oddly enough he did not renew his policies!!!