Contract Exhibit Checklist

Business: ________________ Trade: ________________ Project or client: ________________ Project type: ________________ Contract date: ________________ Certificate due date: ________________ Certificate holder: ________________ Using subcontractors: ________________

Attach the contract insurance exhibit before sending this checklist for review. A certificate of insurance shows evidence of coverage, but the contract may also require copies of endorsements.

Copy the required limits from the contract insurance exhibit.

Ask for the wording the contract actually requires. Remove any item that is not required by the contract.

• Additional insured status for the owner, general contractor, landlord, or other named party.
• Additional insured wording applies to ongoing operations if required.
• Additional insured wording applies to completed operations if required.
• Primary and noncontributory wording is required.
• Waiver of subrogation is required for general liability.
• Waiver of subrogation is required for workers compensation.
• Per-project aggregate endorsement or equivalent wording is required.
• Copies of endorsements are required in addition to the certificate of insurance.
• Notice of cancellation wording is required by the contract.
• The contract names a specific form number or edition date. Write it here: _____

Use this section to reduce certificate rejections.

• Named insured matches the contract party: _____
• Business address matches the contract or license record: _____
• Certificate holder name and address: ________________
• Project name or job number appears where the requester wants it: ________________
• Policy dates are current through the planned start date.
• Required limits match the contract exhibit.
• Required endorsement wording is shown or attached as requested.
• License, permit, registration, or tracking number is included if the requester requires it: _____
• Contact name, phone, or email for certificate questions is included: _____

The hiring party, owner, agency, or general contractor may reject a certificate if the names, dates, limits, or required wording do not match the request.

Complete this section if subcontractors will be used or may be used.

• Contract says whether subcontractors must carry the same coverage lines and limits as the prime contractor.
• Subcontractor agreement requires certificates before the subcontractor starts work.
• Subcontractor certificate names ________________ as certificate holder when required.
• Additional insured wording is collected from subcontractors when required.
• Waiver of subrogation wording is collected from subcontractors when required.
• Workers compensation coverage or allowed exemption is documented for each subcontractor.
• Renewal dates are tracked for any subcontractor policy that expires before the project ends.
• Lower tier subcontractor requirements are reviewed if the contract pushes requirements downstream.

Send this checklist with the full contract insurance exhibit.

Message to include: Please review the attached contract insurance requirements for ________________ on ________________. The checklist summarizes the requested coverage lines, limits, endorsements, certificate holder details, and subcontractor requirements. Please confirm which items are already included, which items require endorsement changes, and whether any requirement may need underwriter review before work starts.