Project structure Project Owner vs. General Contractor on a COI: Keep the Roles Separate The owner controls or commissions the project; the general contractor may manage construction and subcontractors. Either can also be a client, holder, evidence recipient, or requested additional insured—but those insurance roles must be documented separately. By COI Workbench Editorial Team · … Read more
Requested parties Who Should Be Listed as Additional Insured on a Contractor COI? The answer should come from the current written requirement and the issued policy—not from a generic list of every organization connected to the project. By COI Workbench Editorial Team · Reviewed September 2026 · General U.S. guidance Start with a role map, … Read more
Certificate recipient Certificate Holder Name and Address: Exact-Match Checklist The certificate holder is usually an evidence recipient, not automatically an additional insured. Accurate holder text matters administratively, but it should never be used to imply policy rights that do not exist. By COI Workbench Editorial Team · Reviewed September 2026 · General U.S. guidance Keep … Read more
COI troubleshooting COI Named Insured Does Not Match the Contract: Correction Workflow When the named insured and contracting business differ, do not guess which text is “close enough.” Preserve both sources, classify the difference, and route the question to the client and licensed agent. By COI Workbench Editorial Team · Reviewed September 2026 · General … Read more
Business identity Named Insured vs. DBA on a COI: What Contractors Should Check A trade name may be familiar to customers, but it is not automatically interchangeable with the legal entity that signed the contract or the named insured shown on a policy. By COI Workbench Editorial Team · Reviewed September 2026 · General U.S. … Read more
Recovery-right evidence Waiver of Subrogation on a COI: Evidence and Contractor Workflow A waiver-of-subrogation request should be separated by policy line, protected party, project, and required evidence. A certificate indicator alone should not be treated as if it rewrites the policy. By COI Workbench Editorial Team · Reviewed September 2026 · General U.S. guidance Keep … Read more
Other-insurance wording Primary and Noncontributory Insurance: What Contractors Should Ask “Primary and noncontributory” is not a decorative certificate phrase. It is a policy-ordering request that should be traced to the written contract and addressed through applicable policy wording or an issued endorsement. By COI Workbench Editorial Team · Reviewed September 2026 · General U.S. guidance … Read more
Additional insured evidence Additional Insured: Ongoing Operations vs. Completed Operations A request for additional-insured status may address work while it is being performed, liability after the work is finished, or both. Contractors should preserve that distinction when requesting and checking evidence. By COI Workbench Editorial Team · Reviewed September 2026 · General U.S. guidance Do … Read more
Correction control How to Resubmit a Corrected COI Package After Rejection A fast resubmission is useful only if it answers the rejection. Preserve the reviewer’s exact message, classify the problem, and send one controlled replacement package. Reviewed September 2026 · Educational information, not insurance or legal advice Do not alter issued evidence yourself. Send certificate … Read more
Submission workflow Vendor Insurance Compliance Checklist: A Contractor Workflow The most useful checklist is not a generic list of insurance types. It is a project-specific control sheet connecting each written requirement to evidence, an owner, and a delivery status. Reviewed September 2026 · Educational information, not insurance or legal advice Use four honest statuses: Ready, … Read more