177 | General Liability Insurance & Subcontractors: What Most Business Owners Are Never Told

Monthly Workshops: (https://generatealifewelllived.com/workshops)Work with Me: (https://tidycal.com/eringray/45-min-call-with-erin)In this episode, we break down how subcontractor choices affect your insurance costs, why certificates of insurance (COIs) matter more than you’ve been told, and how being named as additional insured can protect both your business and your cash flow. In this episode we cover:What “additional insured” actually means (in plain language) and why it mattersHow missing or incorrect COIs can cause subcontractors to be reclassified as payroll during an auditYour real options when a subcontractor doesn’t have their own coverageSimple quarterly checks that prevent end-of-year audit shocksThe questions you need to ask your insurance agent and your bookkeeperHow to regulate your nervous system so you can ask these questions calmly and clearlyStepping fully into the CEO role without abdicating financial oversightTurning insurance and policy reviews into repeatable, low-drama operating habitsWays to Connect with Me and Learn More:Apply to Work with MeGenerate a Life Well Lived WebsiteInstagramLinkedInYouTubeGrab your free Human Design chartFoundational Resources