COI Verification Checklist
Use this interactive checklist to verify a subcontractor's certificate of insurance (COI) meets your contract requirements. Check off each item as you confirm it on the certificate.
What is a Certificate of Insurance (COI)?
A Certificate of Insurance (COI), typically issued on an ACORD 25 form, is a summary document that proves a subcontractor carries the required insurance coverages. GCs collect COIs during prequalification and must verify that all contractual insurance requirements are met before allowing a sub on-site.
Common COI Compliance Failures
- Named insured mismatch: The entity name on the COI does not match the subcontract. This can void additional insured protections.
- Expired policies: Coverage lapses that occur mid-project expose the GC to uninsured losses.
- Missing endorsements: Without Additional Insured and Waiver of Subrogation endorsements, the GC has no coverage under the sub's policy.
- Insufficient limits: GL, auto, or umbrella limits below contract minimums leave coverage gaps.
Why Automated COI Tracking Matters
Manual COI review is time-consuming and error-prone. With dozens or hundreds of subcontractors per project, missed expirations and missing endorsements are nearly inevitable without automation. A single uninsured claim can cost a GC hundreds of thousands of dollars.
Automate COI verification and expiration tracking
Subcontractor Audit automatically parses COIs, flags missing endorsements, and alerts you before policies expire.
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