Practical guides on certificate of insurance tracking, ACORD 25 review, endorsements, and vendor compliance.
Builders 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 articleThe documents every subcontractor must clear before starting work: signed contract, verified COI with real endorsements, workers comp, W-9 and license. Plus how to verify each.
Read articleA certificate of insurance covers nothing by itself. Here is what the ACORD 25 actually shows, what it does not, and the four checks that make it meaningful.
Read articleMost vendors should carry $1M per occurrence and $2M aggregate general liability at minimum. How to set insurance limits by vendor type, with a requirements table.
Read articleACORD 25 OCR reads the carrier, limits, dates and endorsements off a certificate automatically, so no one keys them by hand. Here is how to automate it.
Read articleNo credit card required. New accounts start with a one-time demo of 10 documents.
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