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Tools · Certificate Compliance
COI Compliance Checker
Answer what your contract requires and what your policy already has. This tool flags likely gaps and builds a plain-English checklist to hand your agent. Everything runs in your browser — no login, nothing saved or sent.
At a Glance
- Checks
- 11 requirements
- Privacy
- Nothing stored
- Output
- Agent checklist
- Then
- Same-day fix
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How to use this
For each requirement, set whether your contract requires it and whether your policy already has it. Use your contract’s insurance section (or the rejection notice you received) for the left column, and your current certificate or a quick call to your agent for the right. Then generate your results. This is educational guidance, not a coverage determination — your policy and endorsements control.
RequirementContract requires?My policy has?
Additional insured status for the hiring party
The contract names the company you work for (or its owner/lender) as an additional insured on your general liability policy.
Additional InsuredContract requires?
My policy has?
Primary & non-contributory (PNC) wording
The contract requires your coverage to pay first and alone, with specific PNC language naming the hiring party.
Primary & Non-ContributoryContract requires?
My policy has?
Waiver of subrogation
The contract requires a waiver of subrogation in favor of the hiring party — on general liability, workers’ comp, or both.
Waiver of SubrogationContract requires?
My policy has?
General liability limits meet the minimum
Your GL per-occurrence and aggregate limits are at least the contract’s required minimum (commonly $1M / $2M).
Contract requires?
My policy has?
Umbrella / excess limit (if required)
The contract requires umbrella or excess liability at a stated limit (often $1M–$5M).
Contract requires?
My policy has?
Per-project (designated project) aggregate
The contract requires that your general aggregate apply separately to their project, not be shared across all your jobs.
Per-Project AggregateContract requires?
My policy has?
Workers’ compensation & employers liability
You have employees and the contract requires WC coverage (with employers liability at a stated limit).
Contract requires?
My policy has?
Commercial / hired & non-owned auto (if required)
The contract requires business auto liability, or hired & non-owned auto if you don’t own vehicles.
Hired & Non-Owned AutoContract requires?
My policy has?
Correct Description of Operations / project reference
The contract requires specific project numbers, addresses, or wording in the certificate’s Description of Operations box.
Contract requires?
My policy has?
Named insured matches the contracting entity
The legal entity that signed the contract is exactly the entity named on your policy.
Contract requires?
My policy has?
Policy dates cover the full project term
Your policy period covers the whole job, and you can reissue at renewal without a lapse.
Contract requires?
My policy has?
Sources
Authoritative references
- ACORD — Forms FAQ (certificates of insurance)
- IRMI — Avoiding Common Insurance Certificate Errors (David Dybdahl)
- IRMI — Certificate of Insurance (definition)
- IRMI — Additional Insured (definition)
- IRMI — Primary and Noncontributory (definition)
- IRMI — Waiver of Subrogation (definition)
This tool provides general, educational guidance based on common contractual insurance requirements. It does not read your policy or contract, does not determine coverage, and is not legal or insurance advice. Results depend entirely on the answers you enter and may not reflect every requirement in your specific contract. Your actual policy, its endorsements, and your signed contract control. Nothing you enter is stored or transmitted. Last reviewed . Requirements and policy terms change — always confirm current rules with the relevant agency and verify coverage against the actual policy and a licensed agent.
Next step
Ready to get compliant?
Whether it’s one endorsement or a full policy that meets the contract, we shop 100+ markets and reissue fast. Call 813-582-5215 or request a certificate online.