SUBCONTRACTOR COI REQUIREMENTS CHECKLIST
From SubCover HQ - https://subcoverhq.com

Sub / vendor: ____________________   Project / property: ____________________

BEFORE WORK STARTS
[ ] Signed subcontract or vendor agreement with insurance requirements
[ ] Current ACORD 25 certificate issued by the sub's insurance agent
[ ] Insured name matches the contracting legal entity
[ ] Certificate holder: exact legal name and address
[ ] Agent / producer contact saved for renewals

GENERAL LIABILITY
[ ] Occurrence form (not claims-made)
[ ] Each occurrence limit meets requirement (commonly $1,000,000)
[ ] General aggregate meets requirement (commonly $2,000,000), per project if required
[ ] Products-completed operations aggregate meets requirement
[ ] Additional insured: ongoing operations endorsement on file (e.g. CG 20 10 or blanket)
[ ] Additional insured: completed operations endorsement on file (e.g. CG 20 37 or blanket)
[ ] Primary and noncontributory, if required
[ ] Waiver of subrogation endorsement, if required

COMMERCIAL AUTO
[ ] Any auto, or owned + hired + non-owned autos
[ ] Combined single limit meets requirement (commonly $1,000,000)
[ ] Additional insured / waiver, if required

WORKERS' COMPENSATION & EMPLOYERS' LIABILITY
[ ] Workers' comp: statutory limits for the state(s) where work is done
[ ] Employers' liability limits meet requirement
[ ] Waiver of subrogation, if required and allowed by state law
[ ] Or: documented, state-allowed exemption on file

UMBRELLA / EXCESS
[ ] Limit meets requirement for the trade's risk tier
[ ] Follows form / extends additional insured status, if required

ONGOING TRACKING
[ ] Every policy's expiration date recorded separately
[ ] Renewal requested 30 days before expiration
[ ] Follow-ups at 14 and 7 days
[ ] Expired or deficient subs blocked from new work until fixed
[ ] Monthly audit of active subs vs. certificates on file

Limits shown are common practice, not advice. Set your requirements with your broker and attorney.
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