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COI readiness checklist guide

Use this page as a fast pre-flight checklist before sending certificates to landlords, clients, procurement teams, or general contractors. Then run the estimator to get a profile-specific COI readiness checklist and estimate range.

  • General liability baseline required by landlord, client, or contract
  • Workers' compensation evidence or exemption where employees are involved
  • Umbrella / excess expectations for larger contracts or site work
  • Legal entity name and certificate holder details
  • Location list and premises details for each insured site
  • Statement of work or contract summary for client-facing engagements
  • Additional insured wording
  • Primary and non-contributory language
  • Waiver of subrogation where contractually requested

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The estimator does not generate a binding certificate or policy. It helps you prepare for common COI requests by surfacing likely limit, document, endorsement, and compliance needs based on your business profile and jurisdiction.