Industries
Client insurance requirements for contractors
Most contractors first meet insurance requirements in a general contractor's subcontract. Repeat work done directly for a facility owner runs under a master service agreement, and often a vendor compliance program, and those documents have their own insurance rules.
Whoever the client is, the rules are in their documents. Upload them to see every insurance requirement and how your current policies compare.
The checker needs no account. Upload a document, answer four short questions, and get a requirements checklist as a PDF, what is missing, and price ranges. The price ranges are estimates, not quotes.
We keep you compliant with every client that requires insurance.
We do it by reading each client's documents, comparing them with your policies, tracking what is due, reminding you before a review, and sending updated certificates.
Whether a client accepts you as a vendor depends on the coverage you buy and on the client's own review.
What clients usually ask for
Clients commonly ask contractors for:
- General liability
- Including completed operations, with limits set in the client's documents.
- Workers' compensation and employer's liability
- Usually asked of any contractor with employees.
- Commercial auto liability
- For vehicles you use for the work.
- Umbrella or excess liability
- When the client wants higher limits.
- Additional insured and waiver wording
- The client named on your policies, with a waiver of subrogation and primary and non-contributory wording.
- Coverage tied to the job
- Some contracts ask for coverage on tools, materials and equipment, or for a bond.
These are common examples, not a list of what your client requires. Your client's own documents decide. Upload them and we list what they actually say.
How it works
Step 1
Upload what your client sent you
The master service agreement, vendor packet, supplier manual or insurance exhibit. Use the checker without an account, or add the client in your account to keep everything in one place.
Step 2
AI lists every requirement, with its page
You get each insurance requirement in the documents and the page it came from, so you can check it yourself. A licensed producer reviews the list.
Step 3
See what you meet and what is missing
Each requirement is compared with your current policies and marked met, not met or unclear. For each gap you see priced options to close it. The prices are estimates, and a licensed producer reviews them.
Step 4
Stay current with each client
What you save for a client sets what that client's certificate of insurance says. Updated certificates go out automatically when your policies renew, and you get a reminder before the client's annual re-approval.
What you get
Every requirement, with its page
A list of each insurance requirement in your client's documents and the page it came from.
Met, not met or unclear
Each requirement compared with the policies you have now.
Priced options for the gaps
What it may cost to close each gap. These are estimates, not quotes, and a licensed producer reviews them.
Certificates that follow the requirements
What you save for a client sets what that client's certificate of insurance says. A certificate only shows wording your policy has. Updated certificates go out automatically at renewal.
A compliance package in one click
Your certificate, endorsements, W-9, safety documents and EMR letter for a client, put together in one step.
Reminders and a checklist
A reminder before each client's annual re-approval, and a document checklist for each vendor platform. You update the platform status yourself. We do not log in to, read from, or submit to vendor platforms.
Common questions
Is a general contractor's requirement different from a facility owner's?
The parts are the same: limits, wording and proof. A facility owner's master service agreement applies to all your work for them and is often checked through a vendor compliance program, with a review every year. A general contractor's subcontract is usually for one project. Each client's own documents decide.
Can one certificate work for all my clients?
Usually not. Each client wants its own name on the certificate, and often its own wording. We save the requirements for each client, and each client's certificate follows them.
Which trades can you insure?
Our application lists common contractor trades, such as HVAC, plumbing, electrical, carpentry and concrete. For anything else, choose "Something else" and tell us what you do. Some trades and larger accounts need an underwriter. When that is the case, we tell you up front whether our carriers can quote that kind of work and how long it takes. We can only offer coverage from carriers we are appointed with in your state.
Start with one document
Upload what your client sent you. The checker lists every insurance requirement it finds, with the page it came from, and shows what is missing.
AI reads the documents and a licensed producer reviews the results. Everything is marked pending review until then. Costs shown are estimates, not quotes. Coverage advice comes from a licensed producer, not from the AI.