Contractor Coverage Checklist

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.

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.

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. ________________________________________________