Watley Insurance Group

Watley Insurance Group We're here for you as insurance advisors specializing in insurance products across the board.

Most contractors sign waiver of subrogation clauses without knowing what theyremove. New video Tuesday — what subrogatio...
05/31/2026

Most contractors sign waiver of subrogation clauses without knowing what they
remove. New video Tuesday — what subrogation is, mutual vs one-way waivers, and
three questions to ask before you sign.

05/31/2026

A Certificate of Insurance proves coverage exists — but it doesn't guarantee your policy meets the contract requirements. Before you sign, let us review what you're actually agreeing to.

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05/29/2026

Most contractors read 'to the fullest extent permitted by law' and move on. That phrase can shift liability to you for things that go well beyond your own negligence. In some states it can shift a portion of the other party's own negligence onto you. Your GL policy has limits on what it covers within insured contracts. Broad indemnification language can push past those limits. Full breakdown in the video.

05/29/2026

Your auto and home policies have limits. When a serious claim exceeds them, a personal umbrella policy picks up the rest. One policy. Broad protection. Ask us if you're covered.

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Most contractors see indemnify and defend in the same clause and treat them as oneidea. They're two different obligation...
05/28/2026

Most contractors see indemnify and defend in the same clause and treat them as one
idea. They're two different obligations. Indemnification is a financial responsibility
your GL policy is built to handle. A duty to defend means paying the other party's
legal costs immediately at claim filing — before fault is determined. Your policy
may not be built to cover that at all. Full breakdown in this week's video.

05/28/2026

Most contractors see indemnify and defend in the same contract clause and move on.
They're two different obligations — and your insurance policy handles them completely
differently. This week's video breaks down both. Link in bio.

05/28/2026

Before you sign your next construction contract, read the indemnification section. Two things to look for: is the language narrow — limited to your own negligence — or broad, using language like 'to the fullest extent permitted by law'? And does the clause include a duty to defend? If both are present in the same clause, that's the combination worth flagging to your agent before you sign. Not after.

05/27/2026

Your homeowners policy does not cover flood damage. Not one dollar. In Louisiana, that gap can mean everything. We help you understand what you actually have — before the water rises.

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05/26/2026

GL renewals are up right now — most contractors I'm talking to were expecting flat
and are getting hit with increases instead.

That's the context for today's video. Because there's a contract clause that can
make it worse.

Indemnify and defend show up together in almost every construction contract. Most
contractors sign both without knowing the difference. Your GL policy does not treat
them the same way. Indemnification is a financial obligation your policy is built
to handle. A duty to defend is an immediate obligation to fund legal costs the moment
a claim is filed — and your policy may not be built to cover it at all.

New video breaking down both obligations, what broad indemnification language does,
and the two things to check before signing any construction contract.

MYTH: “Additional Insured means I’m covered.”TRUTH: It only adds you to their policy. Your own policy still matters.If y...
05/26/2026

MYTH: “Additional Insured means I’m covered.”

TRUTH: It only adds you to their policy. Your own policy still matters.

If you want the 5-point check we use for contractor certificates and endorsements, comment “AI”.

Address

905 Francais Drive
Shreveport, LA
71118

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 4pm

Telephone

+13188615910

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