Subcontractor insurance checklist

Carpentry business: ________________ Subcontractor: ________________ Job: ________________ Certificate holder name: ________________ Certificate holder address: ________________

Send this checklist to the subcontractor before work starts. Keep the certificate and required endorsements with the job file.

• General liability certificate received

Required limit: ________________ Check for products-completed operations if the subcontractor's work can cause damage after the job is finished.

• Workers compensation certificate or state-approved exemption received

Required proof or limit: ________________ Confirm owner exclusions or exemptions match the contract and state requirements.

• Commercial auto certificate received if the subcontractor uses vehicles for the job

Required limit: ________________

• Umbrella or excess liability certificate received if the contract requires limits above the primary policies.

• Additional insured endorsement names ________________ and any owner, general contractor, or property manager required by the contract.

• Completed operations additional insured endorsement is included when the contract requires protection after the subcontractor's work is finished.

• Primary and noncontributory wording is included when required by the contract.

• Waiver of subrogation endorsement is included when required by the contract.

• Endorsement copies match the certificate names, policy dates, and limits.

A certificate shows evidence of coverage. It does not add coverage or replace endorsement wording.

Use this log to track the proof received before the subcontractor begins work.

Reviewed by: ______________________________ Signature: ______________________________ Date: ______________________________

Subcontractor signature: ______________________________ Date: ______________________________

Before approval:

• Certificate dates cover the expected job dates.
• Policy limits match the subcontract or owner requirement.
• Endorsement copies are attached when the contract requires them.
• Any exemption or rejection form is current for the state where work is performed.
• The job file includes notes about missing items and who is responsible for follow-up.

Do not let the subcontractor start work until the required certificates, endorsements, and contract documents are in the job file.