Certificates of insurance, explained.
Practical, plain-English guides for contractors and property managers who collect COIs from subs and vendors.
What Is a Certificate of Insurance? How to Read an ACORD 25
A plain-English walkthrough of the ACORD 25 certificate of liability insurance: every box, what it means, and the red flags to look for.
Additional Insured vs. Certificate Holder: What's the Difference?
Being a certificate holder doesn't give you coverage. Here's how additional insured status works, which endorsements matter, and what to ask subs for.
Waiver of Subrogation Explained for Contractors and Property Managers
What subrogation is, what a waiver of subrogation does, where it shows up on a COI, and how to confirm a sub actually has one.
How to Track Subcontractor COIs (With a Free Checklist)
A practical system for collecting, reviewing, and tracking subcontractor certificates of insurance so nobody works on a lapsed policy.
What Insurance Limits Should You Require From Subcontractors?
Common minimum insurance limits contractors and property managers require from subs and vendors, with typical ranges and what drives them higher.
COI Requirements for Property Managers and Vendors
How property managers can set and enforce vendor certificate of insurance requirements across every property, without drowning in paperwork.
Free: Subcontractor COI Requirements Checklist
A one-page checklist to send to every new sub and use for every certificate review. Print or download.