Subcontractor COI Checklist

Business: ________________ Subcontractor: ________________ Job or project: ________________ Contract reference: ________________ Reviewer: ________________ Review date: ________________ Certificate due date: ________________ Subcontracted work: ________________

Use this checklist before the subcontractor starts work and update it when new certificates or endorsement copies arrive.

Mark each policy received and record the limit, expiration date, and review notes.

Confirm that listed limits match the contract before work starts.

Use this section when a general contractor, owner, property manager, HOA, or public entity requires risk-transfer wording. A certificate shows evidence of insurance; an endorsement changes the policy.

If the contract names CG 20 10, CG 20 37, primary and noncontributory, or waiver wording, request endorsement copies instead of relying only on the certificate.

Before the subcontractor starts:

• Written subcontract is signed.
• Certificate holder is correct.
• Subcontractor name matches the contract and invoice.
• Policies remain active through the expected work dates.
• Vehicles entering the jobsite are covered under commercial auto or other required auto coverage.
• Ladder, lift, scaffolding, roof-edge, or multi-story work is disclosed to the insurer when required.
• Roofing, fascia, siding, soffit, gutter cleaning, gutter guard, or snow/ice work is described accurately.

Open issues to resolve before work starts: __________________________________________________ __________________________________________________

Expiration follow-up: Next certificate renewal date: __________ Person assigned to follow up: __________

Audit file notes: Keep certificates, endorsement copies, contracts, renewal emails, and subcontractor invoices together. For completed-operations requirements, retain records after the job ends for the period required by the contract.

Final review:

• No expired policies before work begins.
• Required endorsements received.
• Limits match the contract.
• Notes added for missing or declined requirements.

Additional notes: __________________________________________________ __________________________________________________