Industries
Client insurance requirements by industry
Clients ask different things of different vendors. A plant that hires a maintenance crew, a hauler and a staffing firm sends each of them a different insurance exhibit.
Pick your kind of work to see what clients usually ask for. Then check your own client's documents, because those are what count.
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
Across industries, client requirements usually start with the same core:
- General liability
- With limits set in the client's documents.
- Workers' compensation and employer's liability
- Usually asked of any vendor with employees.
- Commercial auto liability
- For vehicles you use for the work.
- Umbrella or excess liability
- When the client wants higher limits.
- Policy wording and proof
- Additional insured, waiver of subrogation, primary and non-contributory wording, and a certificate of insurance.
- Coverage tied to the work
- For example cargo for haulers, pollution liability for some mechanical work, or professional liability for staffing.
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
My kind of work is not on this list. Can I still check a document?
Yes. The checker reads contracts, master service agreements and vendor packets for any kind of work. It needs no account.
Can you insure my kind of work?
It depends on the work and the state. Our application lists common contractor trades. Work outside that list, such as trucking or staffing, is reviewed by an underwriter. We tell you up front whether our carriers can quote that kind of work and how long it takes.
Do you offer insurance in every state?
No. We can only offer coverage from carriers we are appointed with in your state. If our carriers cannot quote your work where you operate, we tell you up front.
Do all clients in my industry ask for the same thing?
No. These pages describe what is common. Your client's own documents decide, and two clients in the same industry can ask for different limits and wording.
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.
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.