Checklist

Home Improvement Contract Checklist

Create a checklist for comparing a contract’s insurance wording with your current coverage.

How to use this tool

This tool helps home improvement contractors compare a contract’s insurance requirements with their current policies and certificate of insurance request.

Who this is for

Home improvement contractors reviewing a customer, general contractor, property manager, or public owner contract before bidding or signing.

When to use it

Use it after reading the insurance section of a contract and before requesting a certificate of insurance or endorsement wording.

How to use it

Enter the contract details, copy the required limits and endorsement wording from the contract, and mark each item after your insurance provider confirms it.

What you get

You get a printable PDF or DOCX checklist with contract details, required limits, endorsement checks, certificate holder details, and notes for special wording.

Home Improvement Contract Checklist

Create a checklist for comparing a contract’s insurance wording with your current coverage.

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Business name

Contract holder

Job name

Contract date

Certificate holder

Deadline date

Required limits

Special endorsements

Checklist

Download checklist

You get a printable PDF or DOCX checklist with contract details, required limits, endorsement checks, certificate holder details, and notes for special wording.

Available as PDF, DOCX. The file uses the current field values.

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Contract details

Business: ________________ Contract holder: ________________ Job: ________________ Contract date: ________________ Certificate or endorsement deadline: ________________

Certificate holder name and address: ________________

Use this checklist to compare the insurance section of the contract with your current policies. Send the exact contract insurance wording with any certificate request so the insurance provider can check limits, additional insured wording, waiver wording, and any required form editions.

Required limits to verify

Contract limit wording copied from the contract: ________________

Coverage requirement	Contract wording or limit	Current policy limit	Confirmed
General liability per occurrence			☐
General liability aggregate			☐
Products and completed operations aggregate			☐
Commercial auto combined single limit			☐
Workers compensation			☐
Employer liability			☐
Umbrella or excess liability, if required			☐
Tools, property, or installation coverage, if required			☐

Confirm whether the contract asks for general liability only or also asks for auto, workers compensation, employer liability, umbrella, property, or installation coverage.
Confirm whether each required limit applies per occurrence, per accident, per project, aggregate, or another basis stated in the contract.
Confirm whether the contract requires completed operations coverage after the work is finished.

Endorsements and wording

Special endorsement notes from the contract: ________________

Requirement	Contract says yes or no	Form, edition, or wording required	Confirmed
Additional insured for ongoing operations			☐
Additional insured for completed operations			☐
Primary and noncontributory wording			☐
Waiver of subrogation on general liability			☐
Waiver of subrogation on workers compensation			☐
Waiver of subrogation on commercial auto			☐
Certificate holder details match the contract			☐
Notice of cancellation wording, if requested			☐

If the contract names specific additional insured forms or editions, list the exact form numbers and editions above.
If the contract requires primary and noncontributory wording, confirm whether the endorsement can be added to the required policy.
If the contract requires a waiver of subrogation, confirm which policy or policies need the waiver.
If the contract requires completed operations additional insured status, confirm that the endorsement package includes completed operations wording.

Certificate request notes

Send these items with the certificate request:

Full insurance requirements section from the contract.
Certificate holder name and mailing address exactly as written in the contract.
Required project name, project number, or job location.
Required general liability, auto, workers compensation, employer liability, and umbrella limits.
Required additional insured names and endorsement wording.
Required primary and noncontributory wording, if the contract asks for it.
Required waiver of subrogation wording, if the contract asks for it.
Deadline for certificate delivery: ________________

Open questions to resolve before signing or starting work:

Question	Who will confirm	Answer or follow up
Does the current general liability policy meet the required limits?
Does the contract require completed operations additional insured wording?
Does the contract require commercial auto coverage for hired or non-owned vehicles?
Does the contract require workers compensation even if the business has no employees?
Are any exclusions, trade limits, or project restrictions mentioned in the contract?

Next steps

Copy the exact insurance section from the contract before requesting certificates or endorsements.
Ask the hiring party to clarify any required form number, edition date, or unclear limit wording.
Compare required limits with your declarations pages before you bid, sign, or start work.
Keep the completed checklist with the contract, certificate, and endorsement copies.

What this includes

Download formats

PDF, DOCX

Fields

Business name, Contract holder, Job name, Contract date, Certificate holder, Deadline date, Required limits, Special endorsements

Document sections

Contract details, Required limits to verify, Endorsements and wording, Certificate request notes

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Reviewed byHuy Huynh, technology lead at TradesCoverage and licensed insurance brokerNPN 22071436Last reviewed May 2026

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