01
You’re bidding or signing a contract
Flag insurance limits, additional insured language, waiver requirements, and other provisions before they turn into last-minute requests.
FOR CONTRACTORS & SUBCONTRACTORS
Get project-ready before the paperwork holds you up.
Understand contract insurance requirements, COIs, additional insured requests, and the documents that can delay a job — before they become a problem.
PROJECT REQUIREMENTS
Certificate of Insurance
Additional Insured
Waiver requirements
Contract limits
Before work begins
REVIEW BEFORE WORK BEGINS
COMMON PROJECT-READINESS TRIGGERS
What’s holding up the paperwork?
Insurance requirements tend to become urgent at predictable moments. Start with the situation you’re dealing with.
02
A client or GC asks for a COI
Clarify what the request is meant to document and whether separate endorsements or other evidence are also being requested.
03
Your COI or paperwork is rejected
Identify what needs attention — limits, wording, named parties, dates, or missing supporting documents — before resubmitting.
04
Work cannot start until requirements are accepted
Make outstanding insurance documentation visible before a project deadline turns it into an emergency.
A simpler way to work through the paperwork
1. REQUIREMENT
What does the contract or requester actually require?
Policy & Proof provides educational information to help businesses understand insurance requirements and paperwork. It does not bind coverage, issue certificates, or replace guidance from a licensed insurance professional or legal counsel.
See the Project-Ready Checklist →
PRACTICAL GUIDES
Start with the requirement in front of you.
Clear explanations for the insurance documents, contract language, and requests that commonly surface before a project can move forward.
01
CERTIFICATES
What a Certificate of Insurance actually proves
See what a COI documents, what it cannot change, and when other proof may be needed.
02
CONTRACT REQUIREMENTS
Additional insured requirements, explained
See why contracts request additional insured status—and why a certificate alone may not prove it.
03
BEFORE YOU SIGN
How to read insurance requirements in a contract
Spot limits, endorsements, waivers, and other provisions before they become a deadline.
04
WHEN PAPERWORK COMES BACK
Why insurance paperwork gets rejected
Check common rejection points involving limits, wording, parties, dates, and supporting documents.
PROJECT-READY CHECKLIST
Catch the requirement before it becomes the delay.
Use the Contractor Project-Ready Insurance Checklist before you bid, sign, submit paperwork, or start work to surface the insurance requirements and documents that may need attention.
Get the Project-Ready Checklist
Browse the practical guides →
Free educational resource for contractors and subcontractors.
CONTRACTOR PROJECT-READY CHECKLIST
Review contract insurance requirements
Confirm required limits
Identify additional insured requests
Check waiver requirements
Prepare COI and supporting-document requests
Flag anything that needs broker or legal review