Seguros y GravámenesPregunta 1560 de 1632
Requiring a subcontractor to provide a certificate of insurance BEFORE it starts work is a best practice primarily because it:
a.Makes the general contractor a policyholder from the first work day
b.Prevents the insurer from cancelling the policy during the project
c.Extends the general contractor's own coverage over the sub's work
d.Confirms the required coverage is in force before work starts
Explicación
Checking the certificate before the sub mobilizes verifies that the required coverage exists at the moment exposure begins, when it is still possible to keep an uninsured sub off the site. (a) confuses receiving a document with buying a policy. (b) reads the certificate as controlling the insurer, which it does not — cancellation rights live in the policy. (c) reverses the transfer: the purpose is to reach the sub's insurer for the sub's work, not to spend the general contractor's own limits on it.
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Revisado por Abraham Chen — Licensed California General Contractor (CSLB License #1101856 — verificar)