Protect the continuity of contractors operations.
A continuity plan should look beyond physical repairs. For contractors, recovery can depend on active job sites, completed work, crews, subcontractors, tools, mobile equipment, vehicles, contracts, and bonds, as well as timely access to people, data, equipment, suppliers, utilities, and customers.
Recovery dependencies to map
- Replacement or rental options for critical equipment
- Alternate suppliers, subcontractors, and project sequencing
- Job-site records, plans, contracts, and data backups
- Client communication and delay-mitigation procedures
Values and timelines to test
- Tools, scheduled equipment, rented equipment, and materials
- Owned, hired, and non-owned vehicle exposures
- Largest project, annual revenue, payroll, and subcontracted cost
- Property under construction and temporary-site values
Questions to resolve
- Insurance requirements reviewed after a contract is signed
- Uninsured or undocumented subcontractor exposure
- Completed-operations obligations extending beyond the project
Frequently asked questions
Why can the recovery period exceed the repair period?
Permitting, equipment lead time, installation, testing, supplier delays, staffing, customer communication, and the return to normal revenue can continue after physical repairs are complete.
What should contractors review after a major change?
Locations, operations, values, payroll, vehicles, contracts, vendors, revenue, and controls should be revisited when the business changes materially rather than waiting automatically for renewal.
These planning points are general and are not a guarantee of coverage, pricing, eligibility, or loss prevention. Actual policy language, underwriting requirements, and available terms control.