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Brian, I am surprised your insurance company charges you to add an additional insured. Not doubting, just surprised.

That's smart!

yep, that can be annoying. When working for folks that you think might be a problem, don't hesitate to ask, what do you need in order for us to be paid. Like with a federal court house, just tell me how I am getting paid, by whom and what do they need to make that happen. I love it when we work...