Your Business
Contract & COI Requirements
A contract asks for $2M and a certificate with specific wording. See which parts you can actually produce.
Calibrate
Drag to set each value — estimates are fine.
Usually stated per occurrence in the insurance clause; many clauses state an aggregate as well.
Your per-occurrence limit.
Leave at zero if the contract does not ask for it.
Many contracts let an umbrella make up a higher general liability requirement.
Almost every contract does — it is the default here for that reason.
This requires an endorsement rather than a note on the certificate.
Commonly required; look for "waiver of subrogation" in the insurance clause.
Stops your insurer recovering from the other party after a claim. Also an endorsement.
Look for "primary and non-contributory" or "primary and noncontributory".
Makes your policy answer first rather than sharing with theirs.
Many contracts ask for it even from businesses with few or no employees.
ICC Team
Insurance Confidence Center
A number is a starting point. Walking through what it means for your actual policy is the part that changes anything.
What this means for you
Get a plain-English summary of your reading.
Levers that move this
- General liability the contract requires
- General liability you carry
- Commercial auto the contract requires
- Commercial auto you carry
- Umbrella or excess the contract requires
- Umbrella or excess you carry
- Does the contract require additional insured status?
- Can you add them as additional insured?
- Does the contract require a waiver of subrogation?
- Waiver of subrogation in place?
- Does the contract require primary and non-contributory wording?
- Primary and non-contributory wording in place?
- Does the contract require evidence of workers' compensation and employers' liability?
- Do you carry workers' compensation and employers' liability?
Drag these dials above to see the effect instantly.
Get the full write-up
The assumptions behind the figure, the method, and the disclosures that go with it.