Commercial Insurance

Insurance Requirements, Read Alongside the Bond.

Contracts dictate limits, endorsements, additional-insured status and waivers of subrogation. AGS Surety is a surety firm — it reviews what the contract requires and works with your licensed insurance agent, or refers you to one, so the coverage matches the obligation. AGS Surety does not place, bind or service insurance policies.

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Coverage Lines

Coverages contracts commonly require

Commercial general liability: Third-party bodily injury and property damage exposures arising from operations and completed work.
Commercial property: Buildings, equipment, materials, tools and business personal property.
Commercial auto: Owned, hired and non-owned vehicle exposures.
Workers compensation: Statutory benefits and employer's liability, frequently required by contract.
Umbrella / excess liability: Additional limits above underlying liability policies, often required by contract.
Builder's risk: Course-of-construction coverage for the project's work in place and materials.
Inland marine & equipment: Contractor's equipment, tools and property in transit.
Professional & pollution liability: Design, professional services and environmental exposures where required.

Coverage	What it addresses
Commercial general liability	Third-party bodily injury and property damage exposures arising from operations and completed work.
Commercial property	Buildings, equipment, materials, tools and business personal property.
Commercial auto	Owned, hired and non-owned vehicle exposures.
Workers compensation	Statutory benefits and employer's liability, frequently required by contract.
Umbrella / excess liability	Additional limits above underlying liability policies, often required by contract.
Builder's risk	Course-of-construction coverage for the project's work in place and materials.
Inland marine & equipment	Contractor's equipment, tools and property in transit.
Professional & pollution liability	Design, professional services and environmental exposures where required.

Coordination

Insurance and surety reviewed together

Insurance and bonding are judged by the same stakeholders. Reading both together reduces contract friction — the placement itself stays with a licensed insurance agent.

Review of the contract's insurance exhibit before you take it to an agent
Plain-language summary of the limits and endorsements the obligee expects
A referral to a licensed insurance agent when you need one
Coordination with the underwriting information already assembled for the bond
A second read of certificates your agent issues, against the contract language

Send the contract's insurance exhibit.

Share the exhibit or certificate request and Ryan Holmes will confirm what coverage, limits and endorsements the contract calls for, then point you to a licensed agent to place it.

Send the Insurance Exhibit