Pressure Washing COI Checklist

Business: ________________ Certificate holder: ________________ Job or site: ________________ Request contact: ________________ Contract date: ________________ COI due date: ________________ Requested limits: ________________ Requested endorsements: ________________

Check these items before sending the certificate.

• Named insured matches the legal business name used for the job.
• Certificate holder name and address match the customer, GC, or property manager request.
• Policy numbers are shown for each listed policy.
• Effective and expiration dates cover the expected work period.
• General liability is listed if the request asks for proof of liability coverage.
• Commercial auto is listed if a business vehicle is part of the request.
• Workers compensation is listed if employees or the contract request require it.
• Description of operations identifies the pressure washing job or site without adding unsupported coverage wording.

Use the customer request or contract as the source for limit checks.

• Each requested limit is shown on the COI or addressed before sending.
• No fixed limit is assumed when the request does not state one.
• Tools, equipment, or property coverage is not presented as general liability coverage.
• Pollution, wastewater, runoff, old paint, or chemical exposure is escalated for policy review if the job involves those hazards.
• Surface damage concerns, such as siding, glass, paint, or concrete discoloration, are noted for review if the job scope raises them.

Confirm endorsement wording instead of relying only on a certificate note.

• Additional insured request is reviewed against the policy endorsement.
• Ongoing operations additional insured status is checked if requested.
• Completed operations additional insured status is checked if requested.
• Primary and noncontributory wording is confirmed if requested.
• Waiver of subrogation is confirmed if requested.
• The form number and edition date are recorded or reviewed when the customer requests specific wording.
• The certificate does not promise coverage that the policy or endorsement does not provide.

Final send review.

• The contract, request email, or portal instructions have been checked for exact certificate wording.
• The certificate holder and endorsement request are consistent with the contract party.
• Any mismatch between requested wording and policy forms has been escalated to the agent or carrier.
• A copy of the sent COI and request is saved with the job file.
• If work involves storm drains, rinse water, chemicals, or old paint, wastewater and pollution questions are documented before work begins.