Client requirements
My client requires insurance
A facility owner or a general contractor usually wants proof of insurance before you start. The rules are in the documents they sent you: a master service agreement, a vendor packet, a supplier manual or an insurance exhibit.
Upload those documents. AI reads them and lists every insurance requirement with the page it came from. Then you see which ones your current policies meet and what is missing.
The checker needs no account. Upload a document, answer four short questions, and get a requirements checklist as a PDF, what is missing, and price ranges. The price ranges are estimates, not quotes.
We keep you compliant with every client that requires insurance.
We do it by reading each client's documents, comparing them with your policies, tracking what is due, reminding you before a review, and sending updated certificates.
Whether a client accepts you as a vendor depends on the coverage you buy and on the client's own review.
What clients usually ask for
Most clients ask for some mix of the items below. The limits and the wording differ from client to client.
- General liability
- A minimum limit for each occurrence and a total limit for the policy year.
- Workers' compensation and employer's liability
- Usually asked of any vendor with employees.
- Commercial auto liability
- When you drive to the site or on it.
- Umbrella or excess liability
- When the client wants higher limits than the policies above carry.
- Policy wording
- The client named as an additional insured, a waiver of subrogation, primary and non-contributory wording, and notice before a policy is cancelled.
- Proof
- A certificate of insurance made out to the client, and often copies of the endorsements behind it.
- A vendor compliance program
- Some clients collect and check your documents through a third-party program such as Avetta, ISNetworld or Veriforce, or through their own supplier portal.
- Other paperwork
- A W-9, safety documents and an EMR letter are common requests.
These are common examples, not a list of what your client requires. Your client's own documents decide. Upload them and we list what they actually say.
How it works
Step 1
Upload what your client sent you
The master service agreement, vendor packet, supplier manual or insurance exhibit. Use the checker without an account, or add the client in your account to keep everything in one place.
Step 2
AI lists every requirement, with its page
You get each insurance requirement in the documents and the page it came from, so you can check it yourself. A licensed producer reviews the list.
Step 3
See what you meet and what is missing
Each requirement is compared with your current policies and marked met, not met or unclear. For each gap you see priced options to close it. The prices are estimates, and a licensed producer reviews them.
Step 4
Stay current with each client
What you save for a client sets what that client's certificate of insurance says. Updated certificates go out automatically when your policies renew, and you get a reminder before the client's annual re-approval.
What you get
Every requirement, with its page
A list of each insurance requirement in your client's documents and the page it came from.
Met, not met or unclear
Each requirement compared with the policies you have now.
Priced options for the gaps
What it may cost to close each gap. These are estimates, not quotes, and a licensed producer reviews them.
Certificates that follow the requirements
What you save for a client sets what that client's certificate of insurance says. A certificate only shows wording your policy has. Updated certificates go out automatically at renewal.
A compliance package in one click
Your certificate, endorsements, W-9, safety documents and EMR letter for a client, put together in one step.
Reminders and a checklist
A reminder before each client's annual re-approval, and a document checklist for each vendor platform. You update the platform status yourself. We do not log in to, read from, or submit to vendor platforms.
Common questions
What does it mean when a client requires insurance?
Before you work on their site, the client wants proof that you carry certain coverage. The requirements are usually written in a contract, a master service agreement, a vendor packet or a supplier manual. Proof is usually a certificate of insurance, and sometimes copies of policy endorsements.
Is a certificate of insurance enough?
Sometimes. Many clients also ask for the endorsements behind the certificate, such as additional insured or waiver of subrogation. A certificate only shows wording your policy has. If your policy does not have it, that shows as a gap.
Will my client accept me once I do this?
That is the client's decision. We read the requirements, compare them with your policies, and show what is missing. Whether a client accepts a vendor depends on the coverage bought and on the client's own review.
How much will it cost to meet the requirements?
It depends on your work, your payroll, your claims history and what the client asks for. The checker shows price ranges. They are estimates, not quotes. Prices are not final until a carrier quotes.
Who reviews what the AI finds?
A licensed producer reviews AI results before they are final. Until then they are marked pending review. Coverage advice comes from a licensed producer, not from the AI.
Start with one document
Upload what your client sent you. The checker lists every insurance requirement it finds, with the page it came from, and shows what is missing.
Avetta, ISNetworld and Veriforce are trademarks of their owners. Kensyi is not affiliated with, endorsed by, or connected to them. We name them only to describe the programs our customers are asked to join.
AI reads the documents and a licensed producer reviews the results. Everything is marked pending review until then. Costs shown are estimates, not quotes. Coverage advice comes from a licensed producer, not from the AI.