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Handyman Insurance Contract Checklist

Review contract insurance limits, endorsements, and certificate items before a handyman job.

Handyman Insurance Contract Checklist

Review contract insurance limits, endorsements, and certificate items before a handyman job.

Checklist

Insurance requirements checklist

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Insurance requirements checklist

Job and contract summary

Business: ________________ Contact: ________________ Client, GC, or agency: ________________ Job or site: ________________ Contract type: ________________ Contract date: ________________ Certificate due date: ________________ Agent or broker email: ________________ Use this checklist before signing the contract, bidding the job, or asking for a certificate of insurance. Contract requirements vary, so forward the actual insurance section to your agent or carrier for review.

Coverage limits to confirm

[ ] Commercial general liability shows at least $1,000,000 each occurrence. [ ] Commercial general liability shows at least $2,000,000 aggregate. [ ] Business auto liability shows $1,000,000 combined single limit if vehicles are required by the contract. [ ] Workers compensation is shown as statutory when required by law or contract. [ ] Employers liability shows $1,000,000 when required by the contract. [ ] Any higher limit in the signed contract has been sent to the agent or carrier for approval. [ ] The certificate matches the named insured and business name used in the contract.

Endorsements to request

[ ] Additional insured wording is requested for the client, owner, GC, agency, or other party named in the contract. [ ] Waiver of subrogation is requested if the contract requires the insurer to waive recovery rights. [ ] Primary and non-contributory wording is requested if the contract requires your policy to respond before the client's insurance. [ ] Copies of endorsements are requested when the contract requires more than a certificate. [ ] Any contract that names a specific additional insured form or edition has been sent to the agent or carrier for review. [ ] Endorsement requests are made before work begins, not on the morning of the job.

Certificate timing

[ ] Send the contract insurance section to the agent or carrier before bidding or quoting the job. [ ] After award, request the certificate and required endorsements before performance begins. [ ] Confirm the certificate holder name and address exactly as the contract states. [ ] Confirm whether the client wants email delivery, portal upload, or paper delivery. [ ] Ask whether notice language, such as advance notice of cancellation or expiration, is required by the contract. [ ] Keep the certificate, endorsement copies, and contract insurance section with the job file.

Note to send your agent

Please review the attached contract insurance requirements for ________________ before we sign or start work on ________________ for ________________. The contract may require general liability limits of $1,000,000 per occurrence and $2,000,000 aggregate, auto liability of $1,000,000 combined single limit, statutory workers compensation, $1,000,000 employers liability, additional insured status, waiver of subrogation, primary and non-contributory wording, and certificates or endorsements before work begins. Please confirm what our current policies can provide and whether carrier approval is needed.

Next steps

  • Attach the contract insurance section when emailing this checklist to your agent or broker.
  • Ask whether endorsements must be approved by the carrier before the certificate is issued.
  • Do not begin work until the client confirms the certificate and required endorsements are accepted.

What this includes

Download formats

PDF, DOCX

Fields

Business name, Contact name, Client or project, Job name, Contract type, Contract date, COI due date, Agent email

Document sections

Job and contract summary, Coverage limits to confirm, Endorsements to request, Certificate timing, Note to send your agent

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