Basic Business
Construction Insurance
Certificate of Insurance

The issuance of certificates of insurance is dangerous

Understanding the purpose and limitations of Understanding the purpose and limitations of a certificate of insurance

Showing the certificate holders as additional insureds when policies have not been endorsed to reflect that status

Example of Minimum Limits Guidelines for the exposure level of various jobs & insurance requirements for them (PDF)

Insurance, bonding and indemnification recommendations when using outside contractors

Example of a policy statement relating to certificates of insurance when hiring vendors

These guidelines can help reduce the exposure created by hiring contractors/subcontractors

Do not add language to certificates of insurance that might be construed as a change in policy form

Full text of a risk management program for vendor certificates of insurance

Basics about the Certificate of Insurance (COI)

Results of input from risk managers