EPISODE · May 8, 2026 · 33 MIN
Why Your Subcontractor’s Insurance Might Fail You
from Falcon Forward · host Peter Brecht
Building 30-million-dollar homes requires more than just expert craftsmanship; it requires a bulletproof legal and insurance strategy. This episode dives into the essential risk management tools every general contractor needs to keep their business safe from the unexpected.Peter Brecht and Mike Tanghe discuss why relying on a subcontractor's basic insurance certificate is a dangerous gamble. They explain how to audit policies for exclusions and why specific legal language in your contracts is the only thing standing between your firm and a business-ending lawsuit.Topics Discussed:Why general contractors must have rock-solid written contracts for every sub.Essential coverage types including Cyber, Pollution, and Errors and Omissions.The role of Waivers of Subrogation in preventing insurance company infighting.How Per Project Aggregates protect your limits from being eroded by other jobs.Lessons from a multi-million dollar water damage claim and a catastrophic injury case.Strategies for reviewing Master Service Agreements and indemnity provisions.Links and Resources:Show website: https://falconwest.com/YouTube Channel: https://www.youtube.com/@falconwestmediaConnect with Mike Tanghe: https://www.linkedin.com/in/mike-tanghe/Connect with Peter Brecht: https://www.linkedin.com/in/peterbrecht/
What this episode covers
Building 30-million-dollar homes requires more than just expert craftsmanship; it requires a bulletproof legal and insurance strategy. This episode dives into the essential risk management tools every general contractor needs to keep their business safe from the unexpected.Peter Brecht and Mike Tanghe discuss why relying on a subcontractor's basic insurance certificate is a dangerous gamble. They explain how to audit policies for exclusions and why specific legal language in your contracts is the only thing standing between your firm and a business-ending lawsuit.Topics Discussed:Why general contractors must have rock-solid written contracts for every sub.Essential coverage types including Cyber, Pollution, and Errors and Omissions.The role of Waivers of Subrogation in preventing insurance company infighting.How Per Project Aggregates protect your limits from being eroded by other jobs.Lessons from a multi-million dollar water damage claim and a catastrophic injury case.Strategies for reviewing Master Service Agreements and indemnity provisions.Links and Resources:Show website: https://falconwest.com/YouTube Channel: https://www.youtube.com/@falconwestmediaConnect with Mike Tanghe: https://www.linkedin.com/in/mike-tanghe/Connect with Peter Brecht: https://www.linkedin.com/in/peterbrecht/
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Why Your Subcontractor’s Insurance Might Fail You
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