I was recently chatting with a restorer and trying to explain why his insurance needed to be customized to cover the risks he faced in doing work assigned under master services agreements. 

You’ll recall in July, I explained a problem you may have within your master services agreements – specifically related to additional insureds.

Your insurance agent has very likely set you up to be in breach of contract and to be the insurance company for a really big insurance company on the work you do under master services agreements.