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Checklist

Contractor Coverage Checklist

Track current limits, contract limits, premiums, renewals, and endorsement notes before quoting.

Contractor Coverage Checklist

Track current limits, contract limits, premiums, renewals, and endorsement notes before quoting.

Checklist

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Business details

Business: ________________ Contact: ________________ State: ________________ Checklist date: ________________ Quote deadline: ________________ Use this checklist to compare your current insurance program against contract requirements before requesting quotes. Enter the limits, premiums, renewal dates, and endorsement notes from your policies, certificates, and contracts.

Coverage line checklist

| Coverage line | Current limits | Contract-required limits | Annual premium | Renewal date | Endorsement and notes | |---|---|---|---|---|---| | General liability | __________ | __________ | __________ | __________ | Additional insured, primary and noncontributory, waiver of subrogation, completed operations | | Workers compensation | __________ | __________ | __________ | __________ | Payroll, employee classifications, state rules, experience modification | | Commercial auto | __________ | __________ | __________ | __________ | Work trucks, delivery vehicles, attached tool boxes, ladder racks | | Tools and equipment | __________ | __________ | __________ | __________ | Inland marine, scheduled tools, equipment moved between jobs | | Professional liability | __________ | __________ | __________ | __________ | Design, consulting, construction management, or other professional services | | Pollution liability | __________ | __________ | __________ | __________ | Environmental exposures, jobsite contamination, contract-required pollution terms | | Umbrella or excess liability | __________ | __________ | __________ | __________ | Higher limits required by contract or public works bid | | Builder's risk | __________ | __________ | __________ | __________ | Project property, materials, course-of-construction requirements |

Contract requirement review

Contract or project reviewed: ______________________________ Client or owner: ______________________________ Check each item against the written contract before binding or renewing coverage: [ ] Required limits are listed for each policy line. [ ] Additional insured wording is requested by endorsement, not just by certificate. [ ] Primary and noncontributory wording is identified if required. [ ] Waiver of subrogation is identified if required. [ ] Completed operations coverage is addressed where required. [ ] Umbrella or excess liability follows required underlying coverage. [ ] Certificate due date and renewal dates are tracked. [ ] Subcontractor certificate and endorsement controls are reviewed.

Quote prep notes

Items to gather before comparing quotes: - Current declarations pages and certificates - Loss runs or claim history requested by the broker or carrier - Payroll, revenue, subcontracted cost, vehicle, and tool values used for rating - Contracts showing required limits and endorsements - Subcontractor certificate and written contract files Coverage gaps or questions to raise: 1. ________________________________________________ 2. ________________________________________________ 3. ________________________________________________

Next steps

  • Fill in each line from current policies, certificates, and contracts.
  • Flag any contract-required limit or endorsement missing from your current program.
  • Use the completed checklist when requesting comparison quotes.

What this includes

Download formats

PDF, DOCX

Fields

Business name, Checklist date, Contact name, State, Quote deadline

Document sections

Business details, Coverage line checklist, Contract requirement review, Quote prep notes

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