What is a contract insurance requirements review?

A comparison of the insurance terms in a client or vendor contract against your actual policies, to confirm the coverages, limits, and endorsements line up before you sign.

Does a certificate prove I meet the contract?

Not by itself. A certificate shows a policy exists, but the endorsements behind it, like additional insured, are what satisfy the requirement. We verify the endorsements.

What if my coverage does not meet the contract?

A gap can put you in breach or hold up the engagement. We flag the shortfall and tell you what to change. Contract and legal questions should be verified with your attorney.

Contract Insurance Requirements - Vantage Point Risk

A client contract asking for coverage? Let's check it.

Client and vendor contracts routinely require professional firms to carry E&O, cyber, general liability, and sometimes additional insured wording at specified limits. We compare the requirement to your actual policy so a deal does not stall.

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

A contract insurance requirements review compares the insurance terms in a client contract, vendor agreement, or master services agreement against your actual policies, so you can confirm the coverages, limits, and endorsements line up before you sign. We flag what may need carrier or legal verification.

Where firms get caught

Client contracts often require E&O and cyber at specified limits, general liability, additional insured status, waivers, or higher limits through an umbrella. A certificate proves a policy exists, but it does not confirm the endorsements behind it, and a mismatch can put you in breach or hold up the engagement. The gap between the requirement and the policy is where firms get caught.

What we review

We read the insurance section of the contract and compare it to your policies: required E&O, cyber, and general liability limits, claims-made and retro-date terms, additional insured and waiver wording, and any umbrella requirement. Where there is a shortfall, we tell you what to fix, and we flag terms that should be verified with a carrier or legal counsel.

How to use this

Send us the contract requirement and your current certificate or policies. We will tell you whether they match and what to change, and we help produce the certificate the client needs. Contract and legal questions should be verified with your attorney.

A client contract asking for coverage? Let's check it.

Where firms get caught

What we review

How to use this

Common questions.

Want a clear read before you commit?

Keep going.

Professional Liability (E&O)

Cyber Insurance

Professional Services Coverage Review

Make sure your coverage meets the contract.