Checklist

GL Contract Checklist

Fill in job details, then download a PDF or Word checklist for GL limits, endorsements, and COI evidence.

How to use this tool

Compare general liability contract requirements against job details, limits, endorsements, certificate evidence, and final review items before signing.

Who this is for

Contractors reviewing a general liability insurance section before sending a certificate request.

When to use it

Use it before signing a contract, requesting endorsements, or sending proof of insurance to a client or GC.

How to use it

Fill in the job details, compare each requirement against your policy, and send the completed file to your agent if anything is unclear.

What you get

A filled PDF or Word checklist with your job details, GL limit rows, endorsement checks, certificate evidence rows, and final review items.

GL Contract Checklist

Fill in job details, then download a PDF or Word checklist for GL limits, endorsements, and COI evidence.

1. Fill in details

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2. Review the preview

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3. Download the file

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Business name

Contact name

Project name

Client or GC

State

Contract date

Policy number

COI due date

Checklist

Filled GL contract checklist

A filled PDF or Word checklist with your job details, GL limit rows, endorsement checks, certificate evidence rows, and final review items.

Available as PDF, DOCX. The file uses the current field values.

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Preview of downloaded checklist

Updates as you type before download.

Filled GL contract checklist

Review cover

General liability contract insurance checklist

Business: ________________ Contact: ________________ Project: ________________ Client, owner, or GC: ________________ State: ________________ Contract date: ________________ GL policy number: ________________ Certificate due date: ________________

Use this checklist before signing a contract, asking for a certificate, or sending proof of insurance. A certificate is evidence of insurance, but contract compliance usually depends on the actual policy, endorsements, exclusions, and required limits.

Limits to compare

Compare the contract requirements against your GL declarations and any umbrella or excess policy. Public-works requirements can be higher than private-job requirements, so use the written contract as the controlling document.

Item to verify	Example requirement to watch for	Contract requirement	Your policy evidence / notes
Each occurrence limit	$1,000,000 or higher depending on contract size
General aggregate	$2,000,000 or higher depending on contract size
Products/completed operations aggregate	Separate completed-operations aggregate requirement
Umbrella or excess liability	Additional limits above GL, sometimes tiered by project value
Coverage trigger	Occurrence wording or specific claims-made approval
Operations covered	Premises, operations, mobile equipment, personal and advertising injury, products/completed operations, and contractual liability may be required

Endorsement checks

For each requirement, record the form number shown on the endorsement or policy page. Attach the actual endorsement when the contract requires more than a certificate.

Requirement	Form number to verify	Plain-English check
Additional insured for ongoing operations	CG 20 10 04 13 if the contract requires that ISO form, or the contract-specified equivalent	Gives the owner or GC additional insured status for liability tied to your ongoing work, subject to the endorsement wording
Additional insured for completed operations	CG 20 37 04 13 if the contract requires that ISO form, or the contract-specified equivalent	Extends additional insured status to liability tied to completed work after the job is finished
Primary and noncontributory	Enter the endorsement or policy form number shown on your policy	Your policy must respond before the owner or GC policy and without seeking contribution from another primary policy
Waiver of subrogation	Enter the waiver endorsement form number shown on your policy	The insurer gives up its right to pursue recovery from the protected party after paying a covered loss
Exclusion and policy-term review	Enter endorsement form numbers for any added exclusions or required modifications	Check for contract bars on cross-suits exclusions and explosion, collapse, or underground hazard exclusions

Certificate evidence

Use this section when requesting the certificate package from your agent or broker.

Evidence item	What to verify	Your notes
Certificate holder	Matches the contract name and address for the owner, GC, lender, or agency
Additional insured name	Matches the exact legal name required by the contract
Project description	Includes the job name, location, and contract reference if required
GL limits	Match each occurrence, general aggregate, and products/completed operations requirements
Umbrella or excess	Shows required excess limits and any required attachment evidence
Policy dates	Policy period covers the work and any required completed-operations period
Endorsements attached	Includes required additional insured, primary and noncontributory, waiver, and other endorsements
Policy documents	Collect declarations, riders, modifications, deductible details, and added exclusions if the contract asks for them
Notice wording	Check cancellation, lapse, or reduction notice language when required

Before signing

Final review items

The contract insurance section has been compared to the GL declarations, not only the certificate.
Required additional insured status covers ongoing operations, completed operations, or both as written in the contract.
Required primary and noncontributory wording is supported by policy wording or an endorsement.
Required waiver of subrogation wording is supported by policy wording or an endorsement.
Products/completed operations limits are high enough for the job and any post-completion obligation.
Umbrella or excess requirements have been checked against the excess policy, not just the GL policy.
Exclusions added by endorsement have been reviewed for contract conflicts.
Coverage not provided by GL, such as workers compensation, auto, pollution, professional liability, tools, bonds, or builder's risk, has been handled separately when required.

Next steps

Send the completed checklist to your agent with the contract insurance page attached.
Ask for the actual endorsements when the contract requires specific wording or forms.
Do not start work until required certificates and endorsements are accepted by the client or GC.

What this includes

Download formats

PDF, DOCX

Fields

Business name, Contact name, Project name, Client or GC, State, Contract date, Policy number, COI due date

Document sections

Review cover, Limits to compare, Endorsement checks, Certificate evidence, Before signing

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Reviewed byHuy Huynh, technology lead at TradesCoverage and licensed insurance brokerNPN 22071436Last reviewed May 2026

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