TradeGuardDemolition subcontractor insurance requirements
What a general contractor should require from a demolition subcontractor before they set foot on site, and the coverage gap that most often turns a demolition job into the GC's claim.
Why demolition insurance matters
Structural collapse, adjacent-property damage, dust, and hazardous-material disturbance make demo one of the highest-severity trades.
What to require from a demolition sub
High-limit general liability, workers' comp, umbrella, and contractors pollution liability for disturbed asbestos/lead/contaminants.
Often licensed and permit-heavy; confirm the license and any abatement certifications if hazardous materials are involved.
Contractors Pollution Liability + confirm adjacent-property and 'work you're demolishing' isn't excluded.
No pollution coverage on a trade whose whole job is disturbing what's already there.
Most of these gaps come down to one thing: additional insured status and the right endorsement.
General information, not legal or insurance advice; confirm requirements with your broker and the terms of your subcontract.
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Demolition insurance FAQ
What insurance should a demolition subcontractor carry?+
At minimum, High-limit general liability, workers' comp, umbrella, and contractors pollution liability for disturbed asbestos/lead/contaminants.
Do demolition subcontractors need a license?+
Often licensed and permit-heavy; confirm the license and any abatement certifications if hazardous materials are involved.
What's the most common COI gap on demolition work?+
No pollution coverage on a trade whose whole job is disturbing what's already there.
Other trades
Requirements also vary by state; see insurance requirements by state.