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Handyman COI Requirements Checklist

Create a job-ready checklist for COI, limits, AI forms, PNC wording, and waiver items.

Handyman COI Requirements Checklist

Create a job-ready checklist for COI, limits, AI forms, PNC wording, and waiver items.

Checklist

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Job and policy details

Business: ________________ Contact: ________________ Job or client: ________________ State: ________________ Contract date: ________________ COI due date: ________________ Carrier: ________________ Policy number: ________________ Use this checklist before signing the contract, requesting the certificate, or starting work.

Certificate basics

[ ] Named insured matches the contract — The business name on the COI should match the party doing the work. [ ] Certificate holder is correct — The COI should name the GC, property manager, client, or owner requesting proof. [ ] General liability is shown — Handyman contracts usually ask for proof of commercial general liability. [ ] Policy dates cover the job — Effective and expiration dates should cover the work period. [ ] Each occurrence limit is listed — Many contracts ask for $1,000,000 per occurrence. [ ] General aggregate limit is listed — Many contracts ask for $2,000,000 aggregate. [ ] Products-completed operations appears when required — This can matter for damage or injury alleged after the work is finished. [ ] COI is only evidence of coverage — Endorsements, not the COI alone, change who is insured.

Additional insured items

[ ] Additional insured status is required by the contract — Ask the carrier which endorsement will be used. [ ] CG 20 10 is requested for ongoing operations — This form is commonly used for protection during the work. [ ] CG 20 37 is requested for completed operations — This form is commonly used for protection after work is finished. [ ] Form edition is acceptable — Contracts may care about whether wording is older or newer. [ ] Ongoing and completed operations are both addressed — One form may not satisfy both requests. [ ] Contract party name is exact — The additional insured name should match the contract party.

Priority and waiver wording

[ ] Primary and noncontributory wording is required — This asks your policy to respond first before another policy contributes. [ ] Wording is added by endorsement when needed — A COI note may not be enough if the contract requires an endorsement. [ ] Waiver of subrogation is required — This can limit the insurer from seeking recovery from another project party. [ ] Waiver applies to the correct coverage — Ask whether the waiver applies to general liability, workers comp, auto, or other coverage. [ ] Additional insured and waiver are reviewed separately — They solve different contract issues.

Carrier request notes

Send the contract insurance page to the carrier or agent and ask for review before work starts. Request summary for ________________: - Job or client: ________________ - Certificate due date: ________________ - Confirm GL limits: $1,000,000 each occurrence and $2,000,000 aggregate if required by contract. - Confirm whether CG 20 10 and CG 20 37 are available for this job. - Confirm whether primary and noncontributory wording is available. - Confirm whether waiver of subrogation is available and which policies it affects. - Confirm whether any work type, such as framing or roof work, changes eligibility.

Next steps

  • Attach the contract insurance page when asking your carrier or agent for a COI.
  • Do not start work until required endorsements and policy dates are confirmed.
  • Save the issued COI and endorsement copies with the signed contract.

What this includes

Download formats

PDF, DOCX

Fields

Business name, Contact name, Job or client, State, Contract date, COI due date, Carrier, Policy number

Document sections

Job and policy details, Certificate basics, Additional insured items, Priority and waiver wording, Carrier request notes

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