Glass COI Request Checklist

Business: ________________ Requester: ________________ Project: ________________ Certificate holder: ________________ Contract date: ________________ COI due date: ________________ Agent contact: ________________ Project notes: ________________

Before issuing the certificate, send the full insurance section of the contract to the agent, not only the certificate request. Confirm whether the requester is a general contractor, owner, landlord, property manager, municipality, school, public agency, or another upstream party.

• Correct certificate holder name, mailing address, and project description are shown.
• Additional insured names match the contract, including owner, general contractor, landlord, municipality, or public agency when required.
• General liability limits match the contract or bid documents.
• The request identifies whether ongoing operations, completed operations, or both are required.
• Products-completed operations is addressed for installed glass, storefronts, doors, railings, seals, fasteners, or glazing systems.
• Primary and non-contributory wording is requested if the contract requires it.
• Waiver of subrogation requests are checked for general liability, workers' compensation, and auto.
• Umbrella or excess limits are listed, including whether the upstream party must be additional insured on excess layers.
• Workers' compensation requirements are reviewed for employee work and project-specific terms.
• Commercial auto requirements are reviewed for owned, hired, and non-owned vehicles used to transport glass.
• Completed-operations duration is checked when the contract requires coverage after the job is complete.
• Wrap-up, OCIP, or CCIP language is flagged before the certificate is issued.

Use this section to flag items that may need carrier approval or a coverage change before mobilization.

• Exterior glazing, curtain-wall, high-rise, lift, scaffold, or height exposure is disclosed.
• Storefront, door, window, shower enclosure, interior partition, railing, guardrail, skylight, or structural glass work is described accurately.
• Glass railings, guards, balconies, or fall-prevention systems are identified separately from routine window replacement.
• Installation floater or inland marine coverage is discussed for glass, frames, doors, hardware, tools, racks, suction cups, lifts, and materials in transit or staged at the job.
• Builder's risk responsibility is clarified when materials are on site before acceptance.
• Subcontractor or leased labor is reviewed for COIs, equivalent limits, additional insured status, waivers, and completed-operations coverage.
• Design, engineering, delegated design, shop drawings, consulting, or performance specification work is flagged for professional liability review.
• Public, municipal, school, hospital, transit, or government work is flagged for stricter certificate review.

Questions for the agent or carrier:

1. Can the current policy issue the requested additional insured wording and edition, if the contract names a specific form? 2. Can the policy provide both ongoing operations and completed operations where required? 3. Does the umbrella or excess policy follow form for additional insured and waiver requests? 4. Is any added premium, underwriting approval, contract review, or policy change needed before the COI can be released? 5. Are requested limits higher than the current policy limits? 6. Does the job create a coverage gap for materials in transit, installation property, professional liability, or subcontracted work?

Do not assume the certificate alone satisfies the contract. Some endorsements require carrier approval, and some contracts require wording that may not be available on every policy.