Coverage Review Checklist

Review each coverage type to ensure adequate protection

General Liability Coverage

Critical Coverage

Coverage limits meet contract requirements

Per occurrence and aggregate limits adequate

Products/completed operations coverage included

Personal injury and advertising injury covered

Professional liability coverage if needed

Contractual liability coverage included

Additional insured endorsements in place

Workers Compensation

Critical Coverage

All employees properly classified

Coverage limits meet state requirements

Experience modification factor accurate

Return to work program in place

Safety programs documented

Waiver of subrogation endorsements

Independent contractor certificates collected

Commercial Auto Insurance

All vehicles properly scheduled

Hired and non-owned auto coverage

Coverage limits adequate for operations

Additional insured endorsements

Waiver of subrogation if required

Fleet safety program documented

Driver qualification files maintained

Equipment and Property

All equipment scheduled and valued

Coverage for tools and equipment

Theft and vandalism coverage

Equipment breakdown coverage

Temporary storage locations covered

Transit coverage for equipment

Replacement cost vs actual cash value

Recommended Review Schedule

Stay on top of your insurance with regular reviews

Claims Review

Quarterly

Review open claims and loss experience

Certificate Tracking

Monthly

Monitor expiring certificates of insurance

Policy Renewal

Annually

Complete comprehensive policy review

Risk Assessment

Annually

Evaluate new risks and exposures

Policy Review Red Flags

Coverage Gaps: Missing coverage required by contracts or state law.

Inadequate Limits: Coverage limits below contract requirements or industry standards.

Broad Exclusions: Exclusions that eliminate coverage for common work activities.

Outdated Information: Business information that no longer reflects current operations.

Missing Endorsements: Required endorsements not attached to the policy.

Get a Professional Policy Review

Our insurance experts can review your policies and identify gaps, opportunities for savings, and improvements.

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Contractor Insurance Policy Review Checklist

Coverage Review Checklist

General Liability Coverage

Workers Compensation

Commercial Auto Insurance

Equipment and Property

Policy Details Review

Coverage Limits

Deductibles

Exclusions

Endorsements

Annual Renewal Checklist