Contract library
Certificate of Insurance and Contract Guides
Many business insurance decisions begin with a contract request. Use these pages to organize what the request is asking for.
Reviewed July 6, 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.