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.