Subcontractor insurance requirements template

How to use the builder

Fill in the limits from your contract or your broker’s advice. Tick the clauses you require. The summary updates live, and you can copy or download it as text.

Not legal or insurance advice. Confirm anything contract-specific with your broker or attorney.

What a finished summary looks like

One page. Certificate holder name, each coverage with its dollar limit, the clauses you require, and one line that says endorsement pages are required. Short enough that a sub’s agent can read it in a minute and issue the right certificate the first time.

What to do with it

Send it with every bid invitation so subs and their agents know what certificate to request. Give a copy to anyone tracking certificates for you.

How to use this with your subs

1. Fill in the builder once for each type of job, such as small repair, remodel or new build.
2. Send the one-page result with your bid request, so subs know the rules before they price the job.
3. When certificates come back, compare them line by line to the page.
4. Keep a copy with the subcontract. If there is ever a claim, you can show what you asked for.

Not sure what numbers to put in? Your broker sets the limits. See what goes in the insurance clause.

Build your requirements page in five steps

1. List the coverages you need: general liability, workers’ comp, auto, umbrella.
2. Add the limit for each, using your broker’s advice.
3. Add the endorsements: additional insured, waiver of subrogation, primary and noncontributory.
4. Add the exact legal name and address of who must be named.
5. Add the due dates for the first certificate and for renewals.

Use different pages for different jobs

• Small repair job: basic coverages, shorter list.
• Remodel or tenant improvement: add completed operations and endorsements.
• Ground-up or high-risk work: add umbrella and check for exclusions.

Save each version as a template so you are not starting from scratch.

What a finished one-pager looks like

Insurance requirements for [Project name]
General liability: [limit] per occurrence, [limit] aggregate, including completed operations.
Workers’ comp: statutory limits for [state], plus employer’s liability of [limit].
Auto: [limit] combined single limit if vehicles are used on the job.
Umbrella: [limit] if required for this project.
Endorsements: additional insured (ongoing and completed), waiver of subrogation, primary and noncontributory.
Certificate holder and additional insured: [exact legal name and address].
Due: before first day on site. Renewal certificates due before each end date.

Fill the brackets with numbers from your broker and your contract. Attach it to every bid request.