Does your insurance meet what the contract demands?
Contracts dictate coverage. CoverageIQ checks your policy against the requirements before you sign or bid.
Analyze my policyEvery construction contract carries an insurance schedule — minimum general liability limits, required additional-insured status, primary-and-noncontributory wording, waivers of subrogation, completed-operations terms. Falling short can cost you the job at bid time or, worse, leave you personally exposed when a claim lands outside what your policy actually grants. Most contractors never line the two documents up side by side.
What CoverageIQ checks for you
- General liability limits vs. the minimums your contracts require
- Additional-insured endorsements and whether they match the contract wording
- Primary-and-noncontributory and waiver-of-subrogation provisions
- Completed-operations coverage extending past project handover
- Subcontractor coverage requirements you're responsible for enforcing
See exactly what your policy covers
Run your policy against a contract's insurance schedule before you sign — not after a dispute.
Analyze my policyNo agent · No sales call · Minutes, not days
Frequently asked questions
What insurance do contractors typically need?
Most contracts require commercial general liability, workers' compensation, and commercial auto, often with specified minimum limits. Many also require the project owner or general contractor to be named as an additional insured, with primary-and-noncontributory and waiver-of-subrogation language.
What does 'additional insured' mean on a contract?
It means another party — usually the owner or general contractor — is extended coverage under your liability policy for claims arising from your work. The endorsement must match the contract's specific wording; a generic one may not satisfy the requirement. CoverageIQ checks the match.
What is primary and noncontributory coverage?
Contract language requiring your policy to pay first and in full for covered claims, without seeking contribution from the other party's insurance. It's a near-universal requirement in construction contracts and depends on having the correct endorsement in place.
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