As a licensed general contractor and insurance broker, I’m often asked by trade and general contractors for guidance with their risk management. Usually, they’ll ask me how I managed risks with my own construction company through the years. We constructed a new building for our company 3 years ago, for which I was the general contractor. We hired the construction managers and all the trade contractors. On most commercial jobs, including our own, artisan or trade contractors are not allowed to set foot on the job unless they name the property owner, general contractor, and/or construction managers as an additional insured with “your work” wording for completed operations.