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Motivated Insurance 🛡️We’re an independent insurance agency that specializes in protecting businesses of all kinds across the country. Call now

With access to over 100 top-rated carriers, we tailor coverage to fit your exact needs—whether it’s GL, WC, Auto, Property & more.

10/16/2026

Waiting on my COI. Day 4.

Gate's open. Then the GC found page 14 of the subcontract: "Subcontractor's liability insurance shall be primary and non-contributory."

In plain English: primary means your policy pays before the other policies. Non-contributory means it doesn't ask them to chip in.

The catch: typing it on the cert doesn't make it so. The ACORD 25 form itself says a certificate "does not affirmatively or negatively amend, extend or alter the coverage." It has to be in the policy, and whether it can be added depends on your policy and carrier.

Has a GC ever flagged "primary and non-contributory" on your cert? Day 5 drops next.

Get Motivated and Start Saving... Headaches.
Call or text 1-800-988-8763

Info only, not legal advice. Coverage depends on your policy.

Sources:
https://www.irmi.com/term/insurance-definitions/primary-and-noncontributory
https://www.dfs.ny.gov/apps-and-licensing/insurance-companies/certificates-approved/acord-25-2025-12-liability

10/15/2026

Myth or fact: workers' comp audits only happen if you file a claim.

MYTH. A comp audit checks your payroll and job classifications so the premium matches the work, claims or no claims. Florida requires payroll audits at least every 2 years outside construction, and at least yearly for experience-rated construction employers (Fla. Stat. § 440.381(3)). Refuse the auditor reasonable access to payroll records and you can owe up to 3x your most recent estimated annual premium (§ 440.381(8)).

Did you know that one going in?

Get Motivated and Start Saving... Money.
Call or text 1-800-988-8763

Info only, not legal advice. Coverage depends on your policy.

10/14/2026

One agent for your liability. Another for comp. Somebody else on the truck.

Three renewals, three bills, and three people to chase when a GC needs your certificate first thing in the morning. We can look at your GL, workers' comp and commercial auto together, with one team you can actually reach.

How many different agents are you dealing with right now?

Get Motivated and Start Saving... Headaches.
Call or text 1-800-988-8763

10/13/2026

My agent: "Your renewal quote is ready!"
The policy renews tomorrow.

A quote the night before leaves no time to compare, ask questions, or fix what's wrong on it.

When does your agent usually send your renewal: weeks out, or the night before?

Get Motivated and Start Saving... Time.
Call or text 1-800-988-8763

10/12/2026

Waiting on my COI. Day 3.

The cert came. Done, right?
GC compliance: General liability âś“ Workers' comp âś“ Additional insured âś“ Waiver of subrogation âś—
GC: "No waiver of subrogation, no gate pass."

Worth knowing: certain policies need an endorsement for a waiver of subrogation, and a note on the cert doesn't replace it (ACORD 25 certificate notice). Whether one can be added depends on your policy and carrier.

Has a GC ever bounced your cert over one missing line? Day 4 drops next.

Get Motivated and Start Saving... Frustration.
Call or text 1-800-988-8763

Info only, not legal advice. Coverage depends on your policy.

10/09/2026

Waiting on my COI. Day 2.

Monday. Still on hold. Hold music loop #47.
GC: "Where's the cert?"
GC: "Crew's on site. Can't start without it."
GC: "Last call. I've got another sub on standby."
So I texted Motivated. Moe showed up.

How many hold-music loops before you'd hang up? Day 3 drops next.

Get Motivated and Start Saving... Time.
Call or text 1-800-988-8763

10/09/2026

Myth or fact: if the cert says you're additional insured, you're covered.

MYTH. A certificate of insurance is information only. The standard ACORD 25 form says it "confers no rights upon the certificate holder" and doesn't change the coverage. Additional insured status comes from the policy, through an additional insured provision or endorsement, not from a box on the cert. Ask for the endorsement too.
(Source: ACORD 25 disclaimer, NY DFS approved form)

Did you know that one going in?

Get Motivated and Start Saving... Headaches.
Call or text 1-800-988-8763

Info only, not legal advice. Coverage depends on your policy.

10/08/2026

Waiting on my COI. Day 1.

7:02 AM: asked my agent for the cert.
9:15 AM: Read.
11:59 AM: "typing..."
6:47 PM: Out of office. Back Monday.

What's the longest you've ever waited on a cert? Day 2 drops next.

Get Motivated and Start Saving... Time.
Call or text 1-800-988-8763

10/08/2026

Myth or fact: if your sub has no comp, that's his problem.

MYTH. In Florida, if your sub isn't covered for workers' comp, his crew is treated as your employees on that job (Fla. Stat. § 440.10(1)(b)). Get his proof of comp, or his exemption certificate, before he starts.

Did you know that one going in? What's the cert question you get stuck on most?

Get Motivated and Start Saving... Headaches.
Call or text 1-800-988-8763

Info only, not legal advice. Coverage depends on your policy.

10/07/2026

Premium jumped. Your agent just forwarded the bill.

No call. No options. Just pay it and get back to work.

Get Motivated and Start Saving... Money.

GL or workers comp renewal came in higher? Send it over before you sign. We work construction insurance every day, and we save our clients big money on it. Small shop. You talk to Mike or Thomas.

At Motivated, there is no waiting.
Call or text 1-800-988-8763

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Boynton Beach, FL

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+18009888763

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