Handyman Insurance Contract Checklist

Business: ________________ Contact: ________________ Client, GC, or agency: ________________ Job or site: ________________ Contract type: ________________ Contract date: ________________ Certificate due date: ________________ Contact 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 insurance contact for review.

• 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.

• 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.

• Send the contract insurance section to your insurance contact 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.

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.