A public solicitation sets insurance the contractor must carry, builders risk, general liability, and more, with limits and endorsements due before notice to proceed. A general contractor that cannot meet the requirements, or has not priced them, is exposed before the first day of work.
What the insurance requirements set
Public contracts specify the insurance the contractor must carry: commercial general liability with stated limits, builders risk covering the work during construction, automobile and umbrella coverage, and often professional liability on design build. They name additional insureds, waivers of subrogation, and the certificates and endorsements due before work begins. The requirements set both a cost in the bid and an eligibility test the contractor must meet.
Why insurance requirements are easy to miss
The insurance article sits in Division 00 and the supplementary conditions, with limits and endorsements that vary by owner. A contractor reading scope can miss an unusually high limit, a builders risk responsibility it assumed the owner carried, or an endorsement its policy does not provide, then face a cost or an eligibility gap after award. The requirement that decides coverage is rarely on the listing page.
How an AI agent checks insurance requirements
An AI bid agent reads each solicitation and extracts the insurance requirements, the limits, the builders risk responsibility, and the endorsements, and surfaces them on every qualified opportunity. The contractor prices the coverage and confirms its program can meet the terms before committing.
You can see the insurance terms surfaced per opportunity in our AI bid agent demo for general contractors. The agent pulls the insurance article out of Division 00 so the coverage cost and eligibility are clear before the bid.