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hey everybody uh I want to talk about certificates of liability or insurance coverage for when you are having people on your property doing work uh for your Adu it doesnt matter what kind of Adu you choose to buy but when people come onto your property that theyre going to be saying going through your gate and theyre going to be going to go work over there uh you need to be very careful on what type of insurance you have so ask your homeowners uh insurance people who you have your homeowners insurance through what specifically you need to have from the contractors or subcontractors or anybody whos going to be uh stepping foot on your property because it is critically important to make sure that youre properly protected if youre not you could lose everything you need to be a certificate holder put your name there put your have have the the contractor the general contractor the subcontractors make sure that you have your name as a certificate holder put it right there make sure the