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Checklist

Contractor Quote Prep Checklist

Gather GL quote details carriers ask contractors for before certificates or proposals are due.

Contractor Quote Prep Checklist

Gather GL quote details carriers ask contractors for before certificates or proposals are due.

Use the main trade carriers should rate.

Checklist

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Business snapshot

Business: ________________ Contact: ________________ State where work is performed: ________________ Primary trade/class to quote: ________________ Current GL 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 DOT work

Quote inputs to collect

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 COI requirements are noted for review. [ ] Current GL limits entered: ________________ [ ] Requested GL limit, aggregate, and completed operations needs are noted.

Vehicles and equipment

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.

Contract requirements

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, DOT, utility, landlord, or GC requirements are sent to the agent before binding. [ ] Policy copies, endorsements, riders, or modifications are requested if the contract requires more than a COI.

Loss history and notes

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: ______________________________

Coverage gap review

Contractor GL 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 E&O. [ ] 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.

Next steps

  • Use the completed checklist before requesting GL quotes or certificate changes.
  • Attach vehicle and subcontractor schedules if the carrier asks for details.
  • Send contract endorsement wording to the agent before the COI is issued.

What this includes

Download formats

PDF, DOCX

Fields

Business name, Contact name, Trade or class, State, Annual payroll, Annual sub cost, Current limits, COI due date

Document sections

Business snapshot, Quote inputs to collect, Vehicles and equipment, Contract requirements, Loss history and notes, Coverage gap review

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