Contractor Insurance Resources
Practical guides for reviewing contractor, vendor and supplier insurance documents — Certificates of Insurance, ACORD 25 forms and the endorsements contracts ask for — against the requirements of the work being performed.
Reviewing a certificate
COI Verification Guide
How to Verify a Certificate of Insurance (COI)
The ten things worth checking on a certificate before a contractor is approved — and the inconsistencies that deserve a second look.
Read the guide →COI Compliance Checklist
Contractor COI Compliance Checklist
A working checklist to run before a contractor is approved, plus the issues that most often turn up during review.
Read the guide →COI Coverage Gaps
How to Find Coverage Gaps in a Certificate of Insurance
Seven worked examples of a certificate that does not match the requirement recorded against it.
Read the guide →The ACORD 25 form
ACORD 25 Verification
ACORD 25 Verification: What to Check Before Approving a Contractor
The approval review: what to compare on an ACORD 25, and what should stop a contractor being cleared.
Read the guide →How to Read an ACORD 25
How to Read an ACORD 25 Certificate of Liability Insurance
What every box on the form means, from the producer block down to the cancellation clause.
Read the guide →Endorsements and wording
Additional Insured Guide
How to Verify Additional Insured Status on a COI
Why certificate holder and additional insured are not the same thing, and what CG 20 10 and CG 20 37 actually cover.
Read the guide →Waiver of Subrogation
Waiver of Subrogation on a Certificate of Insurance
The SUBR WVD column, the endorsement behind it, and why the two are not the same evidence.
Read the guide →Primary & Noncontributory
Primary and Noncontributory Coverage on a COI
Four requirements that end up in the same contract clause, and are routinely treated as one.
Read the guide →Requirements and renewals
Vendor Insurance Requirements
Vendor Insurance Requirements: What to Specify, and Why
Coverage lines, endorsements and the terms a requirement needs before anyone can check it.
Read the guide →Expired COI Guide
What to Do When a Contractor's COI Expires
The review to run when coverage reaches its expiration date mid-project, and why one-time COI collection leaves a gap.
Read the guide →COI Tracking Spreadsheet
The COI Tracking Spreadsheet: Columns, Limits and Where It Breaks
The columns worth having, and the four failure modes every manual COI tracker eventually hits.
Read the guide →Have a COI to Review?
Upload it to Verisova and see what needs attention.