Master service agreements
Insurance requirements in a master service agreement
A master service agreement (MSA) is one contract that sets the terms for all the work you do for a client. It almost always has an insurance section or an insurance exhibit, and you have to meet it before the first job.
Those pages are easy to misread. Upload the MSA and AI lists every insurance requirement with the page it came from. Then you see which ones your current policies meet.
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
An MSA sets the insurance terms for every job with that client. Common terms include:
- Minimum limits by coverage
- General liability, auto liability, workers' compensation and employer's liability, and often an umbrella or excess policy.
- Additional insured status
- For the client, and often for its parent company and affiliates, for work in progress and for completed work.
- Waiver of subrogation
- Your insurer gives up the right to recover from the client after it pays a claim.
- Primary and non-contributory wording
- Your policy responds first, before the client's own insurance.
- Notice of cancellation
- A set number of days' notice to the client before a policy is cancelled.
- Coverage after the work ends
- Some MSAs ask you to keep completed operations coverage for a period after each job.
- Insurer rating
- A minimum financial strength rating for your insurance company.
- Other coverage for some work
- Pollution, professional or cyber liability, depending on what you do for the client.
These are common examples, not a list of what your client requires. Your client's own MSA decides, along with any exhibit, supplier manual or work order it points to. 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
Where are the insurance requirements in an MSA?
Usually in an insurance section or in an exhibit near the end. Some MSAs also point to a supplier manual or a vendor packet. Upload all of them. The list shows the page each requirement came from, so you can check it against the document.
Does one MSA apply to every job for that client?
That is the idea of a master agreement: it sets the terms once, and each job is then released under it. A work order or purchase order can add its own insurance requirements. If you get one that does, upload it too.
Do you review the legal terms in my MSA?
No. We read the insurance requirements and the related paperwork requests. We do not give legal advice. For indemnity and other legal terms, talk to your attorney.
What if I do not meet a requirement?
It is marked not met, and you see priced options to close the gap. The prices are estimates, not quotes. A licensed producer reviews them and can talk through the choices with you.
What does my client see?
A certificate of insurance that follows the requirements saved for that client. A certificate only shows wording your policy has. If the MSA asks for wording your policy does not have, it shows as a gap until the endorsement is added to your policy.
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.