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South Area Council – February 2026

South Area Council Meeting Summary

February 4, 2026
Guest Speaker: Justin Wimberley, Vice President of Commercial Lines, HUB International

Justin Wimberley led a working session on insurance fundamentals affecting builders, developers, and trade partners. Discussion focused on how everyday jobsite practices connect to real insurance coverage, exclusions, and common gaps caused by weak documentation or misaligned contracts.

Key topics included builder’s risk limitations, general liability differences during construction vs. after closing, and the growing importance of strong subcontractor agreements. Justin emphasized that certificates of insurance can be misleading without proper endorsement verification, particularly for completed operations and primary noncontributory wording.

This information is especially relevant in Oklahoma due to the state’s long liability exposure window and increasing litigation trends, which continue to impact carrier requirements, pricing, and eligibility.

Key Takeaways

  • Senate Bill 306 was discussed regarding municipal insurance requirements, with concerns about inconsistent enforcement.

  • Builder’s risk coverage is narrower than many assume and often excludes key items.

  • Remodel projects may not automatically cover existing structures without proof of homeowner coverage.

  • General liability risk continues long after closing through completed operations claims.

  • Oklahoma’s 10-year statute of repose increases long-term exposure for builders.

  • Common exclusions include earth movement, mold, pollution, silica, and asbestos.

  • Subcontractor agreements remain the strongest risk-transfer tool.

  • Certificates of insurance must be backed by proper endorsements to confirm additional insured and completed operations coverage.

  • Best practices discussed included collecting W-9s, verifying WC/GL coverage, requiring waivers of subrogation, and confirming primary noncontributory language.

Strategic Relevance for COHBA

Insurance availability and liability exposure are becoming major business continuity issues for builders. COHBA can support members by promoting standardized subcontractor agreement practices and helping reduce avoidable claims. The discussion also reinforces the importance of continued advocacy around liability reform and balanced risk allocation.

Disclaimer: This summary is for informational purposes only and does not constitute insurance advice. COHBA is not an insurance provider or licensed insurer. Members should consult a qualified insurance professional or legal advisor for guidance specific to their business or coverage needs.