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Checklist

COI Request Checklist

Checklist to send your agent so COI and endorsement requests match the contract.

COI Request Checklist

Checklist to send your agent so COI and endorsement requests match the contract.

Name that should match the policy named insured.

Person the agent should contact with questions.

Use the project wording from the contract.

Use the exact certificate holder wording.

List every line the contract requires.

Copy the minimum limits from the insurance clause.

List requested endorsements or form numbers.

Include only wording the policy supports.

Checklist

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Request summary

Certificate of insurance request Business requesting certificate: ________________ Requester/contact: ________________ Job or project: ________________ Certificate holder name and address: ________________ Please issue a certificate package that matches the contract requirements and the actual policy terms. If any wording cannot be shown or endorsed, please flag it before the certificate is sent to the hiring party.

Coverage lines and limits

Coverage lines requested by the contract: ________________ Minimum limits copied from the contract: ________________ Agent review checklist: - Confirm each required policy is active and shown with the correct policy number, effective date, and expiration date. - Check commercial general liability limits, including each occurrence, general aggregate, and products/completed operations aggregate when required. - Add business auto, workers' compensation, employers liability, umbrella/excess, professional liability, or pollution only when required by the contract and supported by coverage. - If the contract asks for limits above current policies, confirm whether a quote, endorsement, umbrella/excess policy, or revised contract approval is needed.

Endorsement review

Endorsements or form requests from the contract: ________________ Items to confirm before release: - Additional insured status is not created by certificate wording alone. Confirm the policy endorsement or blanket wording supports it. - If the contract names ongoing operations and completed operations forms such as CG 20 10 and CG 20 37, confirm the available form and edition or acceptable equivalent. - If primary and noncontributory wording is required, confirm whether the certificate description is enough or an endorsement copy must be attached. - If waiver of subrogation is required, confirm which coverage line needs the waiver, including workers' compensation when requested. - If a per-project aggregate, policy copy, or full endorsement copy is required, attach it instead of relying on description wording only.

Description of operations

Description of operations notes for the certificate: ________________ Use the contract project name, location, and required entities only to the extent supported by the policy and endorsements. If the requested wording would expand, amend, or alter coverage, do not issue unsupported certificate wording; explain what coverage or endorsement is needed.

Attachments to include

Attach copies when required by the contract: - Additional insured endorsement for ongoing operations, if required. - Additional insured endorsement for completed operations, if required. - Primary and noncontributory endorsement or policy wording, if required. - Waiver of subrogation endorsement for the required line of coverage, if required. - Umbrella/excess evidence or policy pages, if the contract requires higher limits. - Workers' compensation proof, exemption document, or affidavit only if appropriate under the contract and applicable rules. Do not send the package until missing endorsements, unsupported wording, or limit gaps have been resolved or disclosed.

Final rejection check

Before sending to the customer, owner, GC, municipality, landlord, or platform, check: - Named insured matches the contractor's legal business name. - Policy dates cover the work period or renewal plan is clear. - Certificate holder name and address match the contract. - Required coverage lines are listed. - Limits meet or exceed the contract minimums. - Project, location, and required entities are referenced when the contract asks for them. - Endorsement copies are attached when the contract requires them. - No certificate wording promises coverage the policies do not provide.

Next steps

  • Send this checklist with the contract insurance clause to your agent.
  • Ask the agent to flag any wording or limit that your current policy cannot support.
  • Do not start work until the hiring party accepts the certificate package.
  • If you do not have an agent, request quotes for the missing coverage lines before promising compliance.

What this includes

Download formats

PDF, DOCX

Fields

Business name, Your contact, Job or project, Cert holder, Coverage lines, Contract limits, Endorsements, Operations notes

Document sections

Request summary, Coverage lines and limits, Endorsement review, Description of operations, Attachments to include, Final rejection check

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