If you hire subs, you're carrying their risk. 70% of contractor COIs are non-compliant. This checklist is the one you walk before signing. Use it once and you'll catch gaps that would have cost you on audit day.
Download the PDF →Limits, additional insured, waiver of subrogation, primary & non-contributory wording. The exact phrases your COI must contain.
How to verify the policy is in force on the day work is performed — not just on the day the COI was issued.
Heights exclusions, residential vs commercial restrictions, roof installation/repair exclusions. The five exclusions that disqualify most generic GL policies for roofing work.
Indemnification, hold-harmless, insurance procurement, and notice-of-cancellation language your subcontractor agreement should have BEFORE the sub starts.
Quarterly verification process. Auto-renewal traps. What to do when a sub's coverage lapses mid-project.
The 7 signs of a fabricated or expired certificate. Sample documents in the PDF show exactly what to look for.
If you walk the checklist and find compliance gaps you can't close on your own — wrong contract language, exclusion clauses no carrier will waive, lapsed COIs across multiple subs — that's exactly the kind of cleanup we do during onboarding. No long-term contract. No email gate.
See our 19 carrier markets →30-minute assessment. Bring your existing subs' COIs. We'll spot the cleanup priorities and tell you what to fix first.
Schedule a Free Assessment →Free · No obligation · 30-minute assessment · Roofing insurance specialist