Resources
COI compliance guides for GCs
Plain-language guides on certificates of insurance, additional insured endorsements, W-9 collection, and tracking subcontractor compliance - written for general contractors.
Subcontractor Certificate of Insurance: What GCs Need to Collect
A subcontractor certificate of insurance proves active coverage, but GCs still need to verify limits, dates, endorsements, and renewals before work starts.
Read article →Annual Subcontractor Insurance Renewal: COI Workflow for GCs
Insurance renewal season hits every fall and January. A repeatable COI renewal workflow keeps subs compliant across policy years without last-minute scrambles.
Read article →General Liability Aggregate Limits Explained for GCs
Per occurrence vs general aggregate vs products-completed ops aggregate — how GL limits work, when aggregates get exhausted, and per-project endorsements.
Read article →Pollution Liability on Construction and Remodel Sites
Mold, asbestos, silica, and fuel spills may fall outside standard GL. Learn when remodel GCs need pollution coverage and what to verify on sub COIs.
Read article →Hold Harmless vs Additional Insured: What GCs Should Require
Indemnity clauses and additional insured status work together but do not replace each other. Learn what each does and what to require in subcontracts and COIs.
Read article →Onboarding Subcontractors: COI Checklist Before First Day on Site
A pre-start COI onboarding checklist for remodel GCs — documents to collect, verification steps, and gates that block site access until compliance is complete.
Read article →What Happens When a Subcontractor Has No Insurance
Uninsured subs expose GCs to direct liability, contract breaches, and owner claims. Know the risks, when to stop work, and how to prevent gaps before they start.
Read article →How to Request COIs from Subcontractors (Templates and Workflow)
Stop chasing subs with vague emails. Use a clear COI request workflow, requirement templates, and follow-up timing that gets documents before day one on site.
Read article →Builders Risk vs General Liability: What Remodel GCs Actually Need
Builders risk covers the building. GL covers bodily injury and property damage claims. Learn which policy protects what — and what subs need on your jobsite.
Read article →Umbrella and Excess Liability Insurance for Construction Projects
When remodel and commercial GCs need umbrella or excess liability layers, typical limits by project size, and how to verify umbrella coverage on a COI.
Read article →Workers' Comp Exemption Certificates: What Remodel GCs Must Verify
Solo subs and small trades often file workers' comp exemptions instead of policies. Learn when exemptions are valid, how to verify them, and when to reject.
Read article →ACORD 25 COI Explained: How to Read a Certificate of Liability Insurance
What is an ACORD 25 COI? Field-by-field guide to named insured, policy limits, cancellation notice, and the description box GCs should scrutinize.
Read article →Primary and Noncontributory + Waiver of Subrogation: COI Requirements Explained
GC contracts often require PNC and WOS endorsements on sub policies. Learn what they mean, which forms to look for, and why COI checkboxes aren't enough.
Read article →COI Tracking for GCs: Why Spreadsheets Fail (and What to Use Instead)
Spreadsheets can't extract ACORD data, send renewal alerts reliably, or prove continuous coverage. Compare manual COI tracking vs purpose-built software for GCs.
Read article →Subcontractor Insurance Requirements for Remodeling General Contractors
Minimum GL, workers' comp, and auto limits for residential remodel subs — plus when owners and contracts require higher umbrella coverage.
Read article →How to Track Subcontractor Insurance Expirations (Without Spreadsheets)
Mid-project COI lapses are the most common compliance failure for GCs. Learn expiration tracking workflows, reminder cadences, and when to suspend site access.
Read article →W-9 and COI: What Every General Contractor Needs Before Work Begins
Collect W-9s and certificates of insurance together at subcontractor onboarding. Mismatched names, missing TINs, and expired COIs create IRS and liability exposure.
Read article →Subcontractor COI Compliance Checklist for Construction Projects
A complete pre-mobilization checklist for GCs — coverage types, limits, endorsements, W-9, and renewal tracking for every subcontractor on site.
Read article →COI vs Endorsement: Why the Certificate Isn't Enough
A COI proves insurance existed on a date. Endorsements change the policy. Learn why GCs must verify both — and what breaks when they only collect certificates.
Read article →How to Verify a Subcontractor COI: Step-by-Step for General Contractors
A practical GC verification workflow for subcontractor certificates of insurance — limits, dates, endorsements, and the checks that prevent compliance gaps.
Read article →CG 20 10 vs CG 20 37: Additional Insured Endorsements Explained
CG 20 10 covers ongoing operations; CG 20 37 covers completed operations. Most construction contracts require both — here's what GCs should verify.
Read article →Certificate Holder vs Additional Insured: What Contractors Need to Know
Certificate holder vs additional insured on a COI: learn the difference, why certificate holder status does not grant coverage, and what GCs must verify.
Read article →What Is a Certificate of Insurance (COI)? A Guide for General Contractors
What is a COI certificate and how does a COI work? Learn what a certificate proves, what it does not, and what GCs should verify before subs start work.
Read article →Stop chasing COIs in email and spreadsheets
CoiLoop gives subs a magic-link upload checklist, lets you review certificates with an Additional Insured checklist inline, and alerts you before policies expire.