How to use these requirements
The recommendations above are a practical starting point based on the vendor’s trade hazard and your project size. Write the ones that apply into your contract, then collect a matching ACORD 25 certificate before the vendor starts work. The two easiest things to get wrong are confirming you’re named additional insured by endorsement (not just certificate holder) and requiring a waiver of subrogation — so double-check those.
For the full reasoning, read COI requirements for general contractors and the step-by-step guide to tracking subcontractor COIs. When you’re ready to stop tracking all of this in a spreadsheet, CoverGuard reads each certificate with AI, checks it against exactly these requirements, and chases renewals before coverage lapses.
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