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COI Checklist for General Contractors

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 General Contractors

General contractors often review COIs from subcontractors before they can start work on a project.

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.