Broker Questions
Broker Renewal and Gap Questions
Use this list with your broker at renewal or when a large contractor sends insurance requirements.
Questions for Broker
| Topic | Question for Broker | Why We Ask | Broker Answer | Follow-up Needed | Priority | Owner |
|---|---|---|---|---|---|---|
| Workers' Comp / Employer's Liability | What are our current Employer's Liability limits? Can they be increased to $2M if required? | Large contractors often request this. | High | Admin | ||
| CGL | Do we have blanket additional insured, waiver of subrogation, and primary/non-contributory endorsements? | These are the three most common contract wording requests. | High | Admin | ||
| Aviation/UAS | Can aviation policy name customers as additional insured and provide waiver of subrogation? | Drone work must be supported by aviation coverage, not just CGL. | High | Admin | ||
| Aviation/UAS | Is our $2M aviation limit per occurrence only, or is there an aggregate? | Some contracts list both per occurrence and aggregate limits. | High | Admin | ||
| Auto | Does our auto policy include owned, hired, and non-owned auto? | Employees may use company, personal, or rented vehicles for work. | High | Admin | ||
| Umbrella | Quote $1M, $2M, $5M, and $10M umbrella/excess options. Which underlying policies can they sit over? | Lets leadership make ROI-based decision. | Medium | Leadership | ||
| Professional Liability / E&O | Quote E&O for drone mapping, stockpile volumes, data processing, and deliverable reports. | TDC increasingly sells data products, not just images. | High | Leadership | ||
| Cyber | Quote cyber liability for client portals, stored data, email compromise, and payment fraud. | Cyber exposure grows with portals, SaaS, and online deliverables. | Medium | Leadership/IT | ||
| Inland Marine | Confirm covered equipment, deductibles, theft-from-vehicle limitations, and replacement cost terms. | Drones and sensors are mission-critical mobile assets. | High | Admin | ||
| Contract Review | When we receive customer insurance requirements, can broker review against our current coverage before we sign? | Prevents accidental breach and uninsured obligations. | High | Admin |
How to Use
Use this page before renewal, before signing a large contractor agreement, or when a customer’s insurance exhibit includes terms that do not appear on the standard COI.
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