Practical guides on certificate of insurance tracking, ACORD 25 review, endorsements, and vendor compliance.
The ACORD 855 addendum makes a broker disclose what a certificate hides: excluded operations, building height limits and stripped-out coverage.
Read articleCG 22 94 and CG 22 95 delete the subcontractor exception that makes a CGL policy respond to construction defect claims. How to spot them on a certificate.
Read articleThe ACORD 101 is the Additional Remarks Schedule attached to a certificate of insurance. What goes on it, whether it is binding, and how to review one.
Read articleCertificate of insurance cost explained: the COI document itself is free, but the policy, endorsements and limits behind it are what you actually pay for.
Read articleBuilders risk rarely belongs on a subcontractor's ACORD 25. What it covers, who buys it, why it shows on an ACORD 24, and what to actually require.
Read articleCG 20 33 vs CG 20 38: both are blanket additional insured forms, but CG 20 33 covers only parties you contract with directly. CG 20 38 goes upstream.
Read articleEach occurrence is the cap on a single claim; the aggregate is the cap on all claims in the policy year. What the difference means when you verify a COI.
Read articleCertificate of insurance requirements are not set by state, but the coverage behind the certificate is. What varies by state and how to track it.
Read articleAn uninsured subcontractor shifts the liability to you: claims hit your policy, your workers comp audit bills you for their payroll, and your prime contract is in breach.
Read articleMost US contracts require vendors to carry insurance rated A- VII or better by AM Best. Here is what the rating means, where to find it on an ACORD 25, and how to write the clause.
Read articleStart tracking vendor certificates of insurance and never miss an expiration.
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Scale COI compliance across your whole team with automated reminders.
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Enterprise‑grade COI tracking, security, and controls.
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