Free COI Checker — Grade a Subcontractor's Certificate of Insurance

The certificate

Try a sample, or enter your own values.

Checking against standard GC requirements: GL $1M each occ / $2M aggregate / $2M products-completed-ops · Workers' Comp (statutory) · Auto $1M CSL · Additional insured ongoing (CG 20 10) + completed (CG 20 37) · primary & non-contributory · waiver of subrogation · signed · 30-day cancellation.

General Liability

Each occurrence ($)

General agg ($)

Prod/comp-ops ($)

Workers' Comp & Auto

Workers' Comp present

WC E.L. each accident ($)

Auto combined single limit ($)

Validity

Expiration date

Cancellation notice (days)

Certificate is signed

Certificate holder = your company

Endorsements (the part most people get wrong)

Additional insured – ongoing (CG 20 10)

Additional insured – completed (CG 20 37)

Primary & non-contributory

Waiver of subrogation

Result

Every line cites why — like a risk manager would.

Pick a sample or enter values, then click Check this certificate.

This tool is a simplified demonstration of CoverProof's verification logic for general information — not insurance, legal, or compliance advice. You make the final call.