Being named an additional insured on a subcontractor’s policy is only half the protection most general contractors think it is. Without primary and non-contributory wording, the sub’s carrier can argue that your own general liability policy should share the loss, and you end up paying part of a claim that was supposed to be theirs….
CG 20 10 is the most required endorsement in construction — and the most commonly accepted without verification. Here’s what it covers and how to confirm your subs actually have it.
Quick answer A certificate of insurance (COI) is a one-page summary document proving that a contractor, vendor, or subcontractor has active insurance coverage. It is not an insurance policy — it is evidence that a policy exists. In construction, COIs are required from every subcontractor before work begins and must be current, compliant with contract…
