CONTRACTOR INSURANCE REVIEW FOR PROPERTY MANAGERS Step 1 of 4 25% Contractor General InformationContractor Entity Name* Contractor Address* Street Address City StateAlabamaAlaskaAmerican SamoaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaGuamHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaNorthern Mariana IslandsOhioOklahomaOregonPennsylvaniaPuerto RicoRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahU.S. Virgin IslandsVermontVirginiaWashingtonWest VirginiaWisconsinWyomingArmed Forces AmericasArmed Forces EuropeArmed Forces Pacific State ZIP Code Contractor Insurance Contact* First Last Contractor Insurance Contact Phone*Contractor Insurance Contact Email* Enter Email Confirm Email Are you the unit owner or contractor submitting these documents*Pick OneUnit OwnerContractorAre you being hired directly by the unit owner or are you working through a contractor.*Pick OneI am being hired directly by the unit ownerI am working through a contractorI am a GC submitting for my subcontractorAre you hiring this specific contractor directly or through a GC*Pick OneI hired the contractor directlyThis is a subcontractor of the GCDoes this job involve subcontractors?*Yes or NoYesNoDoes the GC's general liability insurance cover subcontractors/independent contractors?*Choose OneYes full coverageYes with subcontractor/independent contractor requirements or limitations (Hammer)No coverage for subcontractor/ independent contractorI dont knowWill the subcontractor be using any subcontractors?*Yes or NoYesNoDoes your general liability insurance cover subcontractors/independent contractors?*Choose OneYes full coverageYes with subcontractor/independent contractor requirements or limitations (Hammer)No coverage for subcontractor/ independent contractorDoes your general liability insurance cover subcontractors/independent contractors?*Choose OneYes full coverageYes with subcontractor/independent contractor requirements or limitations (Hammer)No coverage for subcontractor/ independent contractorHow does your subcontractor/independent contractor requirement endorsement apply*Choose OneHigher Deductible applied if I dont follow the steps of this endorsmentNo coverage if I do not follow the steps of this endorsement.Does this job include structural or load bearing work?*Yes or NoYes there is structural workNo there is no structural workAs a contractor hired directly by the unit owner you need to submit the followingBecause of the GC's insurance limitations in regards to subcontractors, the subcontractor will need to submit same information as general contractorBecause you are subcontractor using another subcontractor, you will need to submit same information as if you were a general contractorAs a subcontractor you are required to submit the following documentsAs a subcontractor you are required to submit the following documentsCertificate of Insurance Acord 855 NYI have the items ready to upload*Yes or NoYesNoBUILDING INFORMATIONHiddenBuilding Entity Name*1035 PARK AVE CORPRESIDENCE ON MADISON CONDThird ChoiceBuilding Address*First ChoiceSecond ChoiceThird ChoiceUnit Owner Name* Unit #* CONTRACT QUESTIONSUpload copy of contract with unit owner* Drop files here or Select files Accepted file types: jpg, gif, png, pdf, Max. file size: 98 MB, Max. files: 10. The contract includes* Holdharmless and Indemnification Language No holdharmless and indemnification language Insurance Requirements No Insurance Requirements Does the contract specifically require* General Liability Workers Compensation Automobile Liability Umbrella/Excess Liability What is the general liability limit required in the contract*No Limit Listed1,000,0001,000,000/2,000,0002,000,000/4,000,000?/? Per Occurrence / AggregateWhat is the Umbrella/Excess Liability Limit Required in the contract*No Limit Listed1,000,0002,000,0003,000,0004,000,0005,000,0006,000,0007,000,0008,000,0009,000,00010,000,00011,000,00012,000,00013,000,00014,000,00015,000,00016,000,00017,000,00018,000,00019,000,00020,000,00021,000,00022,000,00023,000,00024,000,00025,000,000Which of the following are required in the contract as respects General Liability* Unit Owner Included as Additional Insured Building Entity included as Additional Insured Property Manager Included as additional insured Additional Insured is required on an ongoing and completed operations basis Completed Operations coverage for 3 or more years Primary and Non Contributory Wording Waiver of Subrogation Wording Per project or per location aggregate Requirement for no action over exclusion (Labor Law Exclusion) None of the above Is the following required in regards to Umbrella/Excess* A specific limit of liability No specific limit of liability Is the contract signed by both parties*Yes the contract is signedThe contract is not signedCERTIFICATE OF LIABILITY QUESTIONSPlease upload certificate of liability insurance Drop files here or Select files Accepted file types: jpg, gif, png, pdf, Max. file size: 98 MB, Max. files: 10. General Liability Policy Expiration Date* MM slash DD slash YYYY In regards to the certificate of liability*The general liability and umbrella limits total the same amount as required in the contractThe contract amount is higher than the certificateThe contract amount is lower than the certificateACORD 855 NY QUESTIONSUpload Acord 855 NY Drop files here or Select files Accepted file types: jpg, gif, png, pdf, Max. file size: 98 MB, Max. files: 10. What is the answer for Section D. Additional insured endorsement* CG 20 10 (ONGOING OPERATIONS) CG 20 37 (COMPLETED OPERATIONS) CG 20 33 (BLANKET ONGOING OPERATIONS) CG 20 26 (BLANKET ONGOING OPERATIONS) CG 20 32 (BLANKET ONGOING OPERATIONS) OTHER SECTION NOT COMPLETED Choose all that applySince you are not using CG Forms we need to review the Additional insured forms being used.* Drop files here or Select files Accepted file types: jpg, gif, png, pdf, Max. file size: 98 MB, Max. files: 10. If you do not have the form save and return with endorsement upload before submitting.Answer to question H. "Insured contract" exception to the employers liability exclusion is removed or modified (GL policy)* Yes no other option is available with this insurer No changes made Answer to question I. GL policy (including endorsements) does not cover the additional insured for claims involving injury to employees of the named insured or subcontractors (not workers' compensation)* Yes no other option is available with this insurer No changes made CONTRACTOR INSURANCE CONCERNSThere is structural workAny structural work should flag a more detailed review of insurance requirementsNo Hold harmless and Indemnification language in the contractNot acceptable - No holdharmless and indemnification languageNo Insurance Requirements in the contractNot Acceptable - No insurance requirements in the contractMissing Insurance RequirementsContract should require General Liability, Workers Comp, Automobile Liability, Umbrella/Excess LiabilityMissing Insurance Requirements Part 2The contract does not include some or all of the following required insurance endorsements. Review what is missing and add to the contract. Additional Insured Language including Building and Property Manager A specific limit of liability Products and Completed Operations Primary and Non Contributory Wording Waiver of Subrogation Per project or per location aggregate No action over exclusionNo proper signed contractNot Acceptable - Without a proper signed contract the insurance is not validUmbrella ConcernUmbrella/Excess liability limit must be specified in the contractNo certificate of insuranceCannot approve project without certificate of liability insuranceLimits between contract and certificate not consistentThe contract amount should be increased if the contractor has higher limits of insurance. If the contract has higher limits than the certificate of insurance than the contractor must increase their limitsNo Acord 855 NYCannot approve project without Acord 855 NYAdditional Insured Language ConcernsIf carrier is not using CG 2037 or equivalent you are missing completed operations coverage. Without completed operations coverage no coverage once contractor leaves the building. This cannot be approved.Additional Insured Language Concerns Part 2Additional insured form CG 20 33 cannot be accepted as coverage only applies to the parties that sign the contract. Would not apply to building or property manager.Acord Question HPossibly labor law exclusion OR subcontractor labor law limitation or Hammer. Ask for complete copies of policies to review policy languageAcord Question IANSWER ON ACORD 855 NY IS NOT ACCEPTABLE - LABOR LAW EXCLUSIONSubcontractor Coverage LimitationsBecause of your policy limitations, your subs must provide the same information for review as if they were a general contractor. -Certificate of insurance -Acord 855 NY -Contract with sub (Either with GC or Unit owner) -Copy of General Liability Policy Any other documents you want to upload. Drop files here or Select files Accepted file types: jpg, gif, png, pdf, Max. file size: 98 MB, Max. files: 5. CAPTCHA
