Your Business
Contract & COI Requirements
A contract asks for $2M and a certificate with specific wording. See which parts you can actually produce.
Calibrate
Drag to set each value — estimates are fine.
Usually stated per occurrence in the insurance clause; many clauses state an aggregate as well.
Your per-occurrence limit.
Leave at zero if the contract does not ask for it.
Many contracts let an umbrella make up a higher general liability requirement.
Almost every contract does — it is the default here for that reason.
This requires an endorsement rather than a note on the certificate.
Commonly required; look for "waiver of subrogation" in the insurance clause.
Stops your insurer recovering from the other party after a claim. Also an endorsement.
Look for "primary and non-contributory" or "primary and noncontributory".
Makes your policy answer first rather than sharing with theirs.
Many contracts ask for it even from businesses with few or no employees.
Demo Agency
A number is a starting point. Walking through what it means for your actual policy is the part that changes anything.
What this means for you
Get a plain-English summary of your reading.
Levers that move this
- General liability the contract requires
- General liability you carry
- Commercial auto the contract requires
- Commercial auto you carry
- Umbrella or excess the contract requires
- Umbrella or excess you carry
- Does the contract require additional insured status?
- Can you add them as additional insured?
- Does the contract require a waiver of subrogation?
- Waiver of subrogation in place?
- Does the contract require primary and non-contributory wording?
- Primary and non-contributory wording in place?
- Does the contract require evidence of workers' compensation and employers' liability?
- Do you carry workers' compensation and employers' liability?
Drag these dials above to see the effect instantly.
Get the full write-up
The assumptions behind the figure, the method, and the disclosures that go with it.