Why should I send a contract to you before signing?

Because the insurance exhibit is a binding obligation. If it requires coverage you do not carry, you are in breach at signing. Reviewing first lets us close the gap before you commit.

What if I cannot meet a requirement?

We tell you what it would take, an endorsement, a higher limit, or a new coverage, and what is and is not available. Sometimes the requirement can be negotiated, and knowing that before signing is the advantage.

Is this the same as a certificate request?

Related but broader. A certificate proves coverage to one party; a contract review checks the whole insurance exhibit against your program. They often go together.

Contractor Contract Insurance Review

Send us the insurance exhibit before you sign.

Construction contracts bury real obligations in the insurance exhibit: required limits, additional insured status, waivers, per-project aggregates, and coverages you may not carry. Agreeing to terms your policy does not deliver is a breach waiting to surface at claim time. We read it against your coverage first.

Ready for terms? Get a quote. Want to find the gaps first? Compare your coverage.

A contract insurance review compares the insurance requirements in a contract, lease, or owner exhibit to your actual policies and flags where they do not match: limits, additional insured and completed-operations wording, waiver of subrogation, primary and noncontributory, per-project aggregate, and required coverages like umbrella or builders risk. The goal is to fix gaps before you sign.

Why contract requirements are a hidden exposure

The insurance section of a contract is a binding promise. If it requires a two-million limit, completed-operations additional insured status, and a waiver of subrogation, and your policy does not provide them, you are in breach the moment you sign, and you may discover it only when a claim is denied or a payment is withheld. Reviewing the exhibit before signing turns a hidden risk into a checklist.

What we compare

We line the contract up against your coverage point by point: required general liability and umbrella limits, additional insured on an ongoing and completed-operations basis, waiver of subrogation, primary and noncontributory wording, per-project aggregate, commercial auto and workers comp requirements, and any project-specific coverage like builders risk or installation floater. Then we tell you what you have, what you are missing, and what it takes to comply.

How to use it

Send us the contract or the insurance exhibit and the deadline. We review it and come back with the gaps and the fixes, an endorsement to add, a limit to raise, a coverage to bind, so you can sign knowing your policy actually backs the promise. For contractors who sign many contracts, this becomes a routine step that prevents recurring problems.

Send us the insurance exhibit before you sign.

Why contract requirements are a hidden exposure

What we compare

How to use it

Common questions.

About to sign a contract with insurance requirements?

Keep going.

Certificate of Insurance

General Liability

Coverage Review

Know you can keep the promise before you sign it.