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Justin MacKenzie Commercial Insurance
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Geotechnical Insurance Articles
General Insurance Topics
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Justin MacKenzie Commercial Insurance
Home
Geotechnical Insurance Articles
General Insurance Topics
About
Contact
Home
Geotechnical Insurance Articles
General Insurance Topics
About
Contact
CG 22 94 Explained: What This Subcontractor Exclusion Means for General Contractors
Justin MacKenzie 4/22/25 Justin MacKenzie 4/22/25

CG 22 94 Explained: What This Subcontractor Exclusion Means for General Contractors

Many contractors are shocked to learn that their general liability policy excludes damage caused by subcontractors. Learn what CG 22 94 means — and how to protect your business.

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Justin MacKenzie is a Commercial Lines Producer at First West Insurance, licensed in all 50 states, specializing in insurance programs for ground improvement and geotechnical contractors. Before moving into insurance, Justin spent over two decades in commercial real estate development and construction, working across more than a million square feet of projects with Fortune 500 companies, private equity firms, and national retailers — giving him a firsthand understanding of how construction contracts, subcontractor relationships, and risk transfer obligations actually work in practice. He focuses on the specialty contractor market where standard insurance programs routinely fall short: micropile installation, jet grouting, ACIP piles, driven piles, aggregate piers, slope stabilization, and related ground improvement work. justin@fstwest.com

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