Practical guides on certificate of insurance tracking, ACORD 25 review, endorsements, and vendor compliance.
Which policy changes require a vendor to send an updated certificate of insurance, which do not, and what to do when a policy number changes mid term.
Read articleCertificate of insurance vs declaration page: a COI is third-party proof of coverage, a dec page is part of the policy itself. Which to accept from a vendor.
Read articleThe four digits after CG 20 37 change what the completed operations endorsement grants. Every edition, transcribed from the ISO forms, and what each changed.
Read articleTwo contract requirements that sound alike and solve different problems. What each one does, which ISO form creates it, and why a certificate proves only one.
Read articleThey protect against opposite risks and neither substitutes for the other. What each one does, which ISO endorsement creates it, and why contracts need both.
Read articleThe two digits after CG 20 10 decide whether the endorsement covers completed operations, caps your limits, or is worth almost nothing. Here is what each edition changed.
Read articleThe 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 articleNo credit card required. New accounts start with a one-time demo of 10 documents.
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