Certificate of Insurance for a General Contractor
Generate subcontractor certificates yourself in the Spot app, while your Spot team gets the endorsements the GC’s subcontract calls for onto your policy.
Upload the subcontract’s insurance exhibit or the GC’s compliance request. Your Spot team lists each coverage, limit and endorsement it asks for.
General liability insurance
Juniper Electrical · Policy review
Confirm with your broker
Limits, exclusions, and endorsements
We work with your broker and insurer to add additional insured, waiver of subrogation or primary and non-contributory wording where the subcontract requires it.
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SamJuniper Electrical
RileySpot
Create it in the Spot app for the GC and any owner or project the subcontract names, and send it to their compliance team.
SamJuniper Electrical
Certificate of insurance
Juniper Electrical
Ready for your review
Each new job can bring its own requirements. Upload the next request and we check it the same way.
SamJuniper Electrical
Let’s review the information and discuss the next steps with your broker.
General liability insurance policy
Coverage terms · Limits
GCs care about claims after your work is finished, so subcontracts often ask that coverage extend to completed work.
The GC, the project owner and others the subcontract lists, for both ongoing and completed work.
Requested on general liability, auto and workers’ compensation, so your insurers won’t pursue the GC after paying a claim.
Your policy responds first for claims from your work, without calling on the GC’s insurance.
Auto liability for your vehicles, workers’ compensation for your crew and an umbrella when limits run higher than your primary policies.
The project name or address in the description section, so the certificate ties to the job.
Extends your liability coverage to the GC for claims arising from your work while it’s under way, on the endorsement’s terms.
A separate grant for claims after your work is done. A policy can include ongoing operations without it, so check both.
Your insurer gives up the right to recover from the GC what it pays on a claim. It must be endorsed on each policy the subcontract names.
Makes your policy respond before, and without contribution from, the GC’s own policy. Your Spot team asks your broker to have the insurer add it.
Choose general liability, auto, workers’ comp and umbrella as the subcontract lists them.
Add the GC’s legal name and address from the subcontract.
Attach the exhibit or compliance email, and add the project name and any other parties to list.
Review the endorsements and limits the certificate shows, then download it or send it to the GC’s compliance contact.
An additional insured endorsement for ongoing work alone may not meet a subcontract that asks for completed work too.
Subcontracts often ask for a waiver on general liability, auto and workers’ comp. Check each one.
The project owner and other parties are often listed alongside the GC. Leave one out and the certificate gets rejected.
Typing endorsement language into the description box doesn’t put it on the policy, so the GC still has no coverage from it.
Buy general liability with Spot: we prepare your submission, compare broker proposals on limits and terms, and get certificates and endorsements ready.
Explore coverageCommercial auto with Spot: one submission for your vehicles and drivers, and proposals compared on liability, vehicle damage, deductibles and who’s covered.
Explore coverageWorkers’ compensation with Spot: state requirements checked, payroll and job classifications described correctly, and broker proposals compared before you bind.
Explore coverageUmbrella and excess liability with Spot: contract limits checked, the underlying schedule confirmed and attachment terms compared before you bind.
Explore coverageBuy inland marine with Spot: your equipment inventory prepared, proposals compared on scheduling, valuation and territory, and policy documents kept together.
Explore coverageGenerate subcontractor certificates yourself in the Spot app, while your Spot team gets the endorsements the GC’s subcontract calls for onto your policy.
Read these before you choose a policy or an insurer.
