Sub Insurance Checklist

Business: ________________ Subcontractor: ________________ Trade: ________________ Job: ________________ State: ________________ Certificate due date: ________________ Limit source: ________________

Use this checklist to compare the subcontractor's certificate of insurance and endorsements with the written contract. Remove any item the contract does not require before sending a request for changes.

• Named insured matches the subcontractor legal name or an approved related entity.
• Certificate holder name and mailing address match the requesting party details.
• Policy dates are active for the work period or renewal follow-up is scheduled before expiration.
• General liability coverage is listed with occurrence, general aggregate, and products-completed operations aggregate limits.
• Workers compensation is listed as required by state law or the contract.
• Employer's liability limits are listed when the contract requires them.
• Commercial auto liability is listed when the subcontractor uses vehicles for the job.
• Auto liability uses the limit format required by the contract, such as a combined single limit if required.
• Umbrella or excess liability is listed when the contract requires limits above the underlying policies.
• Professional liability is listed when the subcontractor provides design, consulting, engineering, or similar professional services.
• Pollution or environmental liability is listed when the work involves pollution exposure or the contract requires it.
• The certificate does not show expired coverage, missing limits, or a different trade than the subcontractor will perform.

• Additional insured endorsement is attached if the contract requires it.
• Additional insured wording covers ongoing operations if the contract requires it.
• Additional insured wording covers completed operations if the contract requires it.
• Primary and noncontributory wording is attached if the contract requires it.
• Waiver of subrogation is attached if the contract requires it.
• Endorsement names, project names, or blanket wording match the contract requirement.
• The endorsement edition or equivalent wording matches the contract if the contract names a specific form.
• Any exclusions shown on the certificate or endorsement are reviewed before accepting the certificate.
• The subcontractor is asked for revised documents when the certificate shows coverage but the required endorsement is missing.

Open items to send back to subcontractor:

1. 2. 3.

Documents requested:

• Revised certificate of insurance
• Additional insured endorsement
• Primary and noncontributory endorsement
• Waiver of subrogation endorsement
• Workers compensation proof
• Auto liability proof
• Umbrella or excess liability proof
• Other contract-required document: ____________________

Reviewed by: ____________________ Review date: ____________________