insurance subcontractor checklist

Obtain subcontractor's full name, contact information, and business name

Confirm subcontractor's registration number (if applicable)

Determine the coverage start date and duration of the subcontract

General Liability Insurance

Obtain and review subcontractor's general liability insurance policy

Verify policy meets minimum coverage requirements

Ensure policy includes waiver of subrogation and primary non-contributory wording

Obtain proof that the policy lists the relevant parties as additional insured

Request and review subcontractor's workers' compensation insurance policy

Confirm policy meets legal requirements and covers subcontractor's employees

Ensure policy includes waiver of subrogation and primary non-contributory wording

Obtain proof that the policy lists the relevant parties as additional insured

Obtain and review subcontractor's automobile liability insurance policy

Verify policy covers vehicles used for work

Ensure policy includes waiver of subrogation and primary non-contributory wording

Obtain proof that the policy lists the relevant parties as additional insured

Certificates of Insurance

Request valid certificates of insurance for each policy

Ensure certificates include correct coverage limits, policy numbers, and effective dates

Verify subcontractor is listed as the insured party

Confirm that the certificates include waiver of subrogation and primary non-contributory wording

Verify that the relevant parties are listed as additional insured

Policy Renewal

Track expiration dates of subcontractor's insurance policies

Request updated certificates of insurance before policies expire

Ensure continuous coverage throughout subcontract duration

Confirm that renewed policies still include waiver of subrogation and primary non-contributory wording

Verify that the relevant parties remain listed as additional insured

Compliance Check

Regularly review and verify subcontractor's insurance coverage remains in compliance

Address any insurance-related issues promptly to maintain compliance

Monitor and ensure ongoing adherence to waiver of subrogation and primary non-contributory clauses

Verify that the relevant parties are still listed as additional insured