Industries
Client insurance requirements for maintenance contractors
Maintenance contractors often work for the same facility owner year after year: a food plant, a manufacturer, a defense or aerospace site. That work usually runs under a master service agreement and a vendor compliance program, not a one-time job contract.
The owner's documents set the insurance you must carry before your crew is allowed on site. Upload them to see every requirement and how your current policies compare.
Some maintenance work is reviewed by an underwriter
Our application lists common trades, such as HVAC, electrical and plumbing, and has a choice for anything else. Maintenance work that does not fit a listed trade is reviewed by an underwriter. We tell you up front whether our carriers can quote that kind of work and how long it takes. If they cannot, we say so.
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
Facility owners commonly ask maintenance contractors for:
- General liability
- Including completed operations, with limits set in the owner's documents.
- Workers' compensation and employer's liability
- With the employer's liability limits named in the documents.
- Commercial auto liability
- For vehicles you bring onto the property.
- Umbrella or excess liability
- Many owners ask for limits above what the policies above carry.
- Additional insured and waiver wording
- The owner, and often its affiliates, named on your policies, with a waiver of subrogation and primary and non-contributory wording.
- Pollution liability for some work
- When the work involves chemicals, fuels, refrigerants or waste.
- Safety paperwork
- An EMR letter and safety documents, often collected through a vendor compliance program.
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
We work in the same plant every week. Do we need a new certificate for each job?
Usually not. Under a master service agreement, the client keeps one current certificate on file. When your policies renew, updated certificates go out automatically.
The owner wants its affiliates named too. Can a certificate do that?
Only if your policy supports it. A certificate only shows wording your policy has. If the documents ask for affiliates to be named and your policy does not allow for that yet, it shows as a gap, and a licensed producer reviews the wording.
Can you insure maintenance work?
It depends on the work and the state. Our application lists common trades. Maintenance work outside that list is reviewed by an underwriter. We tell you up front whether our carriers can quote that kind of work and how long it takes.
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.