Every page
Sitemap.
- Rayon Insurance
Property and casualty insurance for trade contractors in frontier industries.
- Rayon Ops
The servicing desk for commercial brokerages.
- Library
One insurance question per page, sourced to the form.
- Glossary
The terms in a subcontract’s insurance exhibit, with the form behind each.
- Privacy
What the site collects and what it does not.
Library · for contractors
- Does my own general liability policy respond on a wrapped data-center site?
- CG 20 10 and CG 20 37: which additional insured endorsement does a data-center subcontract need?
- What does the generative AI exclusion CG 40 47 remove from a contractor’s policy?
- Who pays when a commissioning test fails and nothing is physically damaged?
- A miswired panel causes a fire. What pays for the fire, and what pays for the rewiring?
- Our experience mod is above the prequalification cut-off. What can be fixed, and how fast?
- Why did the compliance vendor reject our certificate of insurance?
- Which insurance problem is specific to each trade on a data-center job?
- The subcontract says our insurance must be “primary and noncontributory”. What does that take?
- Why does the subcontract ask for a per-project aggregate, and what does CG 25 03 do?
- The contract requires a waiver of subrogation on general liability and workers compensation. Which endorsements, and is it allowed in every state?
- Who insures switchgear, chillers and generators before they are installed and accepted?
- A chiller loses its refrigerant, a glycol loop drains or a fuel line leaks diesel. Does our general liability policy pay?
- We are enrolled in an OCIP or CCIP. Which insurance do we still have to carry ourselves?
- Why does the contract ask for CG 20 10 11 85, and how do the later editions differ?
- We sub out part of our scope. What does the “your work” exclusion, and endorsement CG 22 94, mean for us?
- We are installing a battery energy storage system. What will insurers and owners ask about our insurance?
Library · for brokerages
- Certificate holder or additional insured: what is the difference?
- What should an agency check before sending a certificate of insurance?
- What can an agency put in the Description of Operations box on an ACORD 25?
- Can we show additional insured status on a certificate when the policy has a blanket endorsement such as CG 20 33 or CG 20 38?
- ACORD 25, 27, 28 or 855: which form answers which request?
- What is a loss run, who can request one and how long does the insurer have to send it?
- Why can’t the certificate promise 30 days’ notice of cancellation to the certificate holder?
- What does a servicing request need before it counts as tracked work?
- Agency management system or CRM: which one is the system of record for what?
- When should an agency start a commercial renewal, and what happens at 120, 90, 60 and 30 days?
- ACORD 175 or ACORD 35: which form for a policy change, and which for a cancellation or lost policy release?