Read the insurance exhibit early
Commercial projects often include an insurance exhibit with required limits, policy types, waiver of subrogation, primary/noncontributory wording, and additional insured requirements.
Send that exhibit to your broker or carrier before bidding, especially if the job requires higher limits than you currently carry.
Confirm workers' comp and subcontractor rules
General contractors often require workers' comp even when state law might exempt a sole proprietor. They may also require certificates from every subcontractor you hire.
If an uninsured subcontractor is injured, you may face premium charges, contract issues, or liability exposure.
Do not overlook commercial auto and tools
Driving a work truck to a job site is not normally covered by personal auto. Tools and equipment stored in a truck or left at a site usually need inland marine or tools and equipment coverage.
Ask for certificates before mobilizing
Certificates of insurance should match the contract requirements. If additional insured wording is required, make sure the policy endorsement exists; a certificate alone does not create coverage.