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Certificate of insurance request letter for subcontractors
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State minimums are the floor a state sets for a contractor's own license. General contractors commonly ask subcontractors for $1,000,000 per occurrence and $2,000,000 aggregate. The preset fills the floor so you can raise it.
When the certificate arrives, check
- The certificate holder box shows your business name and address exactly.
- Your business is named as additional insured for general liability, on a primary and non-contributory basis, for ongoing and completed operations.
- Policy dates cover the whole job. Ask for a renewal certificate before any policy expires.
- The limits match or exceed what you asked for. A certificate summarises the policy; ask for the endorsement pages on larger jobs.
From Trades by State. Independent reference, not legal advice. Coverage terms vary by policy and state; confirm with your insurance agent.