Contractor Quote Prep Checklist

Business: ________________ Contact: ________________ State where work is performed: ________________ Primary trade/class to quote: ________________ Current general liability limits: ________________ Certificate or proposal due date: ________________

General contractor starter row Trade/class: General contractor managing projects and subcontractors State: ________________ Payroll by class: supervisory payroll, field payroll, clerical payroll Vehicles: pickup trucks, service trucks, trailers, and titled units used for business Subcontractors: annual subcontractor cost and trades used Contract needs: additional insured, primary and noncontributory, waiver of subrogation, completed operations, umbrella or excess if required Loss history: five-year liability claim record Special exposures: height work, excavation, lead, mold, silica, hot work, design-build, municipal or transportation agency work

Use this checklist before requesting contractor general liability quotes.

• Trade/class confirmed: ________________
• State and main job locations confirmed: ________________
• Annual payroll total entered: ________________
• Payroll by class or duty listed below:

Class or duty 1: ______________________________ Class or duty 2: ______________________________ Class or duty 3: ______________________________

• Owner, employee, and subcontractor roles separated for the agent.
• Annual subcontractor cost entered: ________________
• Subcontractor trades used listed below:

Trade 1: ______________________________ Trade 2: ______________________________ Trade 3: ______________________________

• Any subcontractor certificate requirements are noted for review.
• Current general liability limits entered: ________________
• Requested general liability limit, aggregate, and completed operations needs are noted.

Carrier or agent vehicle schedule

• Business vehicles used on jobs are listed.

Unit 1 year/make/model: ______________________________ VIN or plate: ______________________________ Main use: ______________________________

Unit 2 year/make/model: ______________________________ VIN or plate: ______________________________ Main use: ______________________________

• Trailers, mobile equipment, or specialty units are listed.
• Commercial auto is flagged if vehicles are used for business.
• Tools, equipment, materials in transit, or jobsite property are flagged for inland marine review.
• Any leased, rented, or borrowed equipment exposure is noted.

Attach the contract insurance page before certificates are ordered.

• Certificate holder name and address are ready.
• Additional insured wording is requested if the contract requires it.
• Ongoing operations and completed operations wording are checked separately.
• Primary and noncontributory wording is requested if required.
• Waiver of subrogation is requested if required.
• Umbrella or excess liability evidence is requested if required.
• Notice-of-cancellation wording is reviewed if the contract asks for it.
• Public-work, public agency, utility, landlord, or general contractor requirements are sent to the agent before binding.
• Policy copies, endorsements, riders, or modifications are requested if the contract requires more than a certificate.

Five-year liability loss history

Year 1: claim type, status, and amount paid or reserved: ______________________________ Year 2: claim type, status, and amount paid or reserved: ______________________________ Year 3: claim type, status, and amount paid or reserved: ______________________________ Year 4: claim type, status, and amount paid or reserved: ______________________________ Year 5: claim type, status, and amount paid or reserved: ______________________________

Notes for special exposures Lead, mold, silica, asbestos, fuel, solvents, or remediation work: ______________________________ Exterior height work, roofing, scaffolding, or crane work: ______________________________ Excavation, trenching, underground, railroad, utility, or municipal work: ______________________________ Design-build, construction management, advice, or professional services: ______________________________ Residential construction, condos, apartments, tract homes, or warranty-sensitive work: ______________________________

Contractor general liability is usually the starting point, not the full insurance program.

• Employee injury exposure reviewed for workers compensation.
• Business vehicle exposure reviewed for commercial auto.
• Contractor tools and mobile equipment reviewed for inland marine.
• Design, advice, or construction management exposure reviewed for professional liability or contractors errors and omissions.
• Lead, silica, mold, fuel, solvents, or remediation exposure reviewed for pollution liability.
• Higher contract limits reviewed for umbrella or excess liability.
• Completed operations exposure reviewed because claims can arise after finished work causes injury or damage.