# 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.