Compliance is how you prove coverage to a GC, owner, or vendor portal and meet the endorsements your contract requires. Start with a Certificate of Insurance, then confirm Additional Insured, Primary and Noncontributory, and Waiver of Subrogation where the contract calls for them. We also help with premium audits, class codes, and subcontractor tracking. As ContractorsInsured.net (CA Lic #6015321 / TX Lic #3305690), we shop multiple carriers for California and Texas contractors, quote the same business day, and issue the COI right after binding.
What compliance means for contractors
For contractors, compliance is proving you carry the right coverage and limits, and granting the specific endorsements a contract requires. A Certificate of Insurance shows your coverage at a point in time, while endorsements like Additional Insured, Primary and Noncontributory, and Waiver of Subrogation modify the policy itself. Most rejections happen when a COI is sent but the required endorsement was never requested.
Start here: the most common requirements
- Certificate of Insurance (COI) proof of your coverage and limits for a bid or onboarding packet.
- Additional Insured (AI) typically granted by endorsement when a GC or owner requires it.
- Primary and Noncontributory (PNC) so your coverage responds first.
- Waiver of Subrogation (WOS) to limit recovery actions against certain parties.
Audits, class codes, and subcontractors
- Premium audits how carriers true up workers' comp and general liability premium, and how to avoid surprise bills.
- Contractor class codes how your work is classified for workers' comp, how misclassification drives premium and audit surprises, and why it matters at quote, renewal, and audit.
- Subcontractor compliance what to collect from subs and how to track it so it does not cost you at audit.
Fast compliance checklist (use this before you submit)
- Certificate holder name and full address.
- Job or project name and address.
- The required limits, and any specific limit the packet calls for.
- Which endorsements are required (AI, PNC, WOS) and the exact wording.
- All send-to email addresses.
- Your deadline, if you have one.
No policy yet but a GC wants a COI? We quote general liability the same business day, bind, and issue the certificate right after. Already covered? Send the certificate holder details and endorsement wording and we match it.
How we help you stay bid-ready
We are an independent brokerage, so we read the requirement language, confirm what your policy and carrier can support, and turn around COIs and endorsements as fast as the carrier allows. New to us? Start with a quote so coverage can be placed first. Working in a specific trade? See general contractors, roofing, and plumbing.