COI Review Checklist

Section 1 — Named Insured Verification

Done	Check	Result / Notes
☐	Named insured on the certificate matches the legal entity in the contract. Name on COI: ________________________________ Name in contract: ________________________________
☐	Named insured is a legal entity (Inc., LLC, LP) rather than a trade name or individual DBA. Policies written to a trade name or DBA may not cover the contracting entity as a separate legal entity.

Section 2 — General Liability

Required: Per-Occurrence Limit

Required: General Aggregate

Required: Prod./Completed Ops Agg.

Done	Check	Result / Notes
☐	Per-occurrence limit meets or exceeds contract minimum. Shown on COI: $_____________
☐	General aggregate limit meets or exceeds contract minimum. Shown on COI: $_____________
☐	Policy type is Occurrence (preferred) or Claims-Made. If Claims-Made: confirm retro date and tail coverage plan.
☐	GL policy is not expired. Expiration date covers the full work period. GL expiration date shown: _____________

Section 3 — Workers' Compensation

☐	Workers' compensation is in place and covers the state(s) where contractor employees will work. States shown on COI: _____________________________________________ Note: Texas does not mandate workers' comp for most private employers. For TX-based contractors, confirm coverage status separately.
☐	Workers' comp policy is not expired. WC expiration date shown: _____________
☐	Employers' liability limits are adequate. BI by accident (each): $_____________ BI by disease (policy): $_____________ BI by disease (each employee): $_____________

Section 4 — Additional Coverages

☐	Umbrella / Excess limit meets contract minimum (if required). Required: $_____________ Shown: $_____________
☐	Auto liability coverage is in place (if contractor vehicles will be on-site). Coverage type (any auto / hired / non-owned): _____________ Limit: $_____________

Section 5 — Additional Insured Endorsements

The ACORD 25 checkbox alone does not confirm that an endorsement exists. Request the actual endorsement pages from the contractor's broker and verify below.

☐	ISO CG 20 10 endorsement (ongoing operations) obtained and reviewed. Endorsement references policy number: _____________ Endorsement date: _____________
☐	ISO CG 20 37 endorsement (completed operations) obtained and reviewed. Endorsement references policy number: _____________ Endorsement date: _____________
☐	Endorsement policy numbers match the policy numbers on the ACORD 25 certificate.
☐	Primary and non-contributory language included (if required by contract).
☐	Waiver of subrogation included (if required by contract).

Section 6 — Expiration Tracking

Coverage Line	30-Day Reminder Set	60-Day Reminder Set
General Liability	☐	☐
Workers' Compensation	☐	☐
Umbrella / Excess	☐	☐
Auto Liability	☐	☐

Overall Review Outcome

Approved — All requirements met Conditionally Approved — Gaps noted below, renewal pending Not Approved — Contractor must remediate before work begins

Gaps or conditions noted:

Reviewed By (print name and title)

Signature

Date