COI Checklist for Property Managers

Use this practical COI checklist to review vendor certificates for dates, limits, Workers’ Comp, Auto, Additional Insured, Waiver of Subrogation, and common deficiencies.

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COI Checklist for Property Managers

Property managers often review COIs from vendors, tenants, contractors, maintenance providers, cleaning companies, and service vendors.

Basic COI checklist

Before approval, check:

Named Insured
Producer / broker
Insurance carrier
Policy numbers
Effective dates
Expiration dates
General Liability limits
Commercial Auto
Workers’ Compensation
Employers Liability
Umbrella / Excess Liability
Certificate Holder
Additional Insured indicators
Waiver of Subrogation indicators
Description of Operations
Authorized representative signature

Common issues to flag

Expired policies
Low General Liability limits
Missing Workers’ Compensation
Missing Commercial Auto
Wrong Certificate Holder
Vendor legal name mismatch
Missing Additional Insured language
Missing Waiver of Subrogation
Missing project-specific wording

Use this checklist automatically

Upload a COI and get a PASS / FAIL / NEEDS REVIEW report based on this checklist.

Disclaimer

This checklist is for document-level review only. It does not provide legal advice, insurance advice, or confirmation that coverage is active.