This is something to pay close attention to if you’re a contractor or in a service industry.
This affects you if you are doing work for someone else ( “Action Over” them).
Let’s say you were a sub-contractor working on a project and there was a construction-defect lawsuit you would not be covered.
This is a common trick that carriers do to get the premiums down.
If you are doing a lot of work for others – you might want to take a closer look at this.
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