Texas Handyman COI Checklist

Business: ________________ Contact: ________________ Job or client: ________________ Certificate holder: ________________ Reason for certificate: ________________ Certificate due date: ________________

Coverage lines to review: ________________

Contract or permit wording provided by the requester: ________________

Use this checklist to compare the request with the policy and endorsements before a certificate is issued. A certificate of insurance shows evidence of coverage. It does not change the policy or add wording by itself.

• Confirm the named insured matches the business that signed the contract or permit application.
• Confirm the policy dates will be active for the job start date and any certificate review deadline.
• Confirm the certificate holder name and mailing address match the contract, permit, or property manager request.
• Confirm the requested general liability limits, products completed operations wording, and aggregate limits against the policy.
• Confirm whether the contract asks for additional insured status and whether the policy or endorsement supports that request.
• Confirm whether the contract asks for a waiver of subrogation and whether the policy or endorsement supports that request.
• Confirm whether the contract asks for primary and noncontributory wording and whether the endorsement provides that wording.
• Confirm any cancellation notice wording against the policy. Texas certificate rules limit wording that goes beyond the policy or law.
• Confirm the certificate does not refer to insurance requirements in another contract as if the certificate changes the policy.
• If the request is tied to a city permit, confirm the permit office's coverage and workers compensation requirements before work starts.

• Does the requester need copies of endorsements in addition to the certificate?
• Does the contract require completed operations coverage after the work is finished?
• Does the requested cancellation notice wording match the policy or legal requirements?
• Does the job include electrical, air conditioning, refrigeration, plumbing, roofing, structural, or permit work that may trigger separate rules?
• Are subcontractors being used, and does the contract require their certificates or matching coverage?
• Are business vehicles, trailers, or hired vehicles part of the job request?
• Are tools stored at the job site overnight, transported between sites, or listed on a separate equipment policy?