COI Checklist
COI and Contract Insurance Checklist
Use before signing contracts or sending certificates.
Checklist
| Step | Question | Why It Matters | Answer / Notes | Owner | Status | Due Date | Evidence Location |
|---|---|---|---|---|---|---|---|
| 1 | Do the contract insurance limits match our actual policies? | Prevents signing a contract that puts TDC in technical breach. | Not Started | ||||
| 2 | Are additional insured endorsements required? | Common contractor requirement; must be supported by policy wording. | Not Started | ||||
| 3 | Is waiver of subrogation required? | Broker must confirm it can be added for each applicable policy. | Not Started | ||||
| 4 | Is primary and non-contributory wording required? | Large contractors often require it on CGL/auto/aviation. | Not Started | ||||
| 5 | Is umbrella/excess liability required? | TDC currently carries no umbrella; this must be waived or quoted. | Not Started | ||||
| 6 | Is professional liability/E&O required? | Could matter for mapping, volumes, data processing, or reporting work. | Not Started | ||||
| 7 | Is aviation/UAS specifically accepted? | Drone work should not be treated as normal CGL-only field work. | Not Started | ||||
| 8 | Are covered aircraft, pilots, and payloads listed correctly? | Avoids coverage issues if a drone/payload is not scheduled or approved. | Not Started | ||||
| 9 | Does the COI include correct certificate holder and project wording? | Contractors may reject COIs with incorrect names or addresses. | Not Started | ||||
| 10 | If there is a gap, do we have written acceptance or a contract revision? | Verbal approval is not enough; keep evidence in the file. | Not Started | ||||
| 11 | Are policy expirations after the project duration? | Long projects may require renewal COIs mid-project. | Not Started | ||||
| 12 | Have insurance costs been priced into the job? | Project-specific endorsements or higher limits should not quietly eat margin. | Not Started |
Completion Standard
This checklist is complete only when the contract requirements, COI, broker confirmation, and any customer-approved exceptions all match. Verbal approval is not enough.