BIABiz Insurance Atlas

Contract library

COI, Contract & Insurance Requirement Guides

Certificate of insurance, additional insured, waiver, indemnity, per-project aggregate, lease, vendor, and contract insurance guides.

Reviewed August 11, 2026. Educational guide, not a quote or coverage decision.

Choose a guide

Each page is meant to help a business owner ask better questions before quotes, contracts, renewals, certificates, or claims.

Certificate of InsuranceProof of coverage requested by clients, landlords, and project owners.Additional InsuredEndorsement wording that may extend certain liability protection to another party.Waiver of SubrogationEndorsement requests that affect recovery rights after a loss.Primary and NoncontributoryContract wording about which policy responds first.Per Project AggregateProject-specific aggregate limit wording for contractors.Blanket Additional InsuredAutomatic additional insured wording when contracts require it.Completed Operations EndorsementPost-completion liability wording in construction contracts.Hold Harmless AgreementContract risk transfer wording business owners should review.Indemnity ClauseContract language about who pays for certain claims or losses.Landlord Insurance RequirementsLease insurance limits, proof of coverage, and tenant obligations.Client Insurance RequirementsCoverage limits and endorsements requested by customers.Subcontractor Certificate TrackingCollecting and reviewing subcontractor proof of insurance.Vendor Insurance RequirementsEvents, venues, retailers, and supply chain certificate requests.Lease Insurance ChecklistCommercial lease coverage limits and certificate wording.Renewal Certificate ProcessKeeping certificates updated before policy expiration.Notice of CancellationCertificate holder notice wording and policy realities.Minimum Liability LimitsContract limit requests for general liability, auto, and umbrella.Insurance Requirements ReviewHow to compare a contract request with your policy documents.

How to use this library

This section is organized for business owners who need to compare policy forms, contracts, certificates, records, and claim documents. Start with the page closest to the current business decision, then keep the related documents beside the policy file.

The best results come from reading the guide together with current quotes, declarations pages, endorsements, contracts, leases, vehicle schedules, payroll records, and claim correspondence.

For a new business, this often begins with quote preparation. For an established business, it often begins with a renewal, audit, claim, lease, certificate request, new vehicle, new employee, new location, or client contract.

Working file

  • Business operations and locations.
  • Contracts and certificate requests.
  • Payroll, revenue, property, and vehicles.
  • Claims, loss runs, audits, and renewals.

What to prepare before opening a guide

Most commercial insurance questions become clearer when the reader has the current business facts in front of them. A guide can explain the issue, but the policy answer depends on the documents and operations behind that issue.

Business factsLegal name, DBA, locations, services, employees, payroll, revenue, vehicles, tools, and property values.
Contract factsLease clauses, client requirements, certificate holder names, endorsement requests, limits, and deadlines.
Policy factsDeclarations pages, forms list, endorsements, exclusions, deductibles, audits, claim contacts, and renewal dates.