Subcontractors
Documents
Pre-Qualification Form
Below is our Pre-Qualification form. Please fill out the form and sign. If you have any questions, please give us a call.
Certificate of Liability Insurance Sample
The sample form below is what you will need to provide to us. It contains the necessary information including company type, size and location to help us match your organization to the contracted service or task requirements. Using this information, we can make a determination regarding your company’s eligibility to participate in current or future projects.
Click here for the Sample Insurance Certificate
Frequently Asked Questions
FAQ #1
What is the minimum Financial Rating acceptable for your insurance carrier?
Answer: AM Best Rating of A- and be an “Admitted Carrier” in the State of Kentucky, Oklahoma or Tennessee.
FAQ #2
What minimum coverages and limits are required?
Answer: Our insurance requirements document gives detailed information and should be closely reviewed by your agent or insurance carrier to determine if changes are required in your existing coverage’s to make sure the requirements are met and you are properly protected. Note that our insurance requirements apply to Subcontractors as well as Material Suppliers and compliance is required.
FAQ #3
What are some important points on the General Liability requirements?
Answer: The Certificate must clearly show that the General Liability is on an “Occurrence Form” and that “Contractual” coverage is included. The “Additional Insured” wording on your Certificate of Insurance must clearly show that A & K Construction, Inc. is shown as the Certificate Holder and be included on your policy as an “Additional Insured” for both Premises-Operations AND Products-Completed/Operations. This is a critical point and the required wording is shown on the “Sample Certificate.” Also note that coverage, including the Additional Insured requirement, must be continued for 36 months after the project is completed or the time required by the contract documents, whichever is longer.
FAQ #4
Is it permissible for the basic Pollution Liability Exclusion found in the insuring agreements of our General Liability Policy to be amended by the insurance carrier by attaching an "Absolute Pollution Exclusion" (normally endorsement CG 21 49)?
Answer: No. We require the wording found in the Insurance Services Office (ISO) General Liability insuring agreements with the Pollution Exclusion “F” unchanged by any endorsements such as CG 21 49 or CG 21 55, or similar.
FAQ #5
Are there other exclusion endorsements sometimes placed on General Liability policies that are unacceptable?
Answer: Yes. The Insurance Requirement document specifies that CG 22 94 (Exclusion Damage to Work Performed by Subcontractors on Your Behalf) and CG 22 95 (Exclusion-Damage to Work Performed By Subcontractors On Your Behalf- Designated Sites or Operations) are NOT acceptable and must not be Included in your General Liability Policy. Note that the Insurance Requirements also do not permit Exclusion for “Exterior Insulation Finish Systems (EIFS) or a Direct-Applied Exterior (DEFS) Systems.” If the work you or one of your subs are doing under this Subcontract involves this type work, your General Liability must not exclude losses arising from installation or work on these exterior finish systems. Also, any exclusion attached by your insurance carrier to your policy in conflict with any of the coverage’s or limits stated in our Insurance Requirements is not permitted.
FAQ #6
Are there other coverage's required in the General Liability coverage?
Answer: Yes. Endorsement CG 24 04 – “Waiver of Subrogation to Contractor” must be included in your coverage, as is Endorsement CG 25 03 – “Designated Construction Project(s) General Aggregate Limit.” Both are to be shown in the Certificate of Insurance. See the wording on the Sample Certificate.
FAQ #7
Are there special issues on the Umbrella Liability requirement?
Answer: Yes. The insuring agreements of the Umbrella Policy must be a minimum of “Following Form” over the primary General Liability, including the Additional Insured provisions.
FAQ #8
What about the Workers' Compensation?
Answer: Your Workers Compensation must include coverage in the state in which your business is located and the state where the project is located including State of Kentucky benefits if the Project is located in Kentucky. This is true even if you bring your employees who live in another state but travel into Kentucky, to the job site and are paid under another state Workers’ Compensation Law. In this case, Kentucky coverage must be on your Workers Compensation policy on an “If Any” basis.
FAQ #9
Do I have to be pre-approved to be able to submit a bid?
Answer: No, however it will help the A&K estimator in contacting and evaluating you.
FAQ #10
Do you require subcontractors to provide a bond?
Answer: Not necessarily, it depends on scope of work. We ask that all subcontractors list their bonding rate on their proposals.
FAQ #11
Anything else to note?
Answer: Yes. Please read paragraphs 1 through 9 under “Special Operations Coverage Requirements” to determine if any of those situations apply to you or your subcontractors on this project. If so, you should arrange for proper coverage so you are protected and the Certificate of Insurance should include the special coverage. As an example, note in the Insurance Requirements “Special Operations Coverage Requirements” on page 2 of 2, that IF any of the work done by you on this project falls under paragraph 5. 6. 7. 8., which deal with environmental-related work, you are required to provide special Liability Coverage. If that event and you do not already have the coverage, you should begin the process to obtain the coverage, which takes time and may be costly.