insurance subcontractor checklist

General Information

Liability Insurance

  • Ask subcontractor for a copy of their insurance certificate
  • Check the certificate for the presence of general liability insurance
  • Review the insurance certificate for the coverage amount and policy limits
  • Ensure the coverage amount meets the required minimum
  • Check if the policy limits are sufficient for the project
  • Check the insurance certificate for the policy start and end dates
  • Verify that the policy is currently active and not expired
  • Contact the insurance company to confirm the policy's validity if necessary
  • Ask the subcontractor if the policy includes additional insured endorsements
  • Request a copy of the insurance policy to verify the endorsements
  • Ensure the endorsements list your company as an additional insured party
  • Read through the insurance policy to identify any exclusions or limitations
  • Consider consulting with an insurance professional for a thorough review
  • Evaluate the impact of the exclusions or limitations on the project

Workers' Compensation Insurance

Auto Liability Insurance

Professional Liability Insurance

Umbrella/Excess Liability Insurance

Bonding

Certificates of Insurance

Claims History

Compliance with Insurance Requirements