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General Liability Insurance

COIs, additional insureds, and policy endorsements

Certificates of insurance (COIs) prove you have coverage, while endorsements modify your policy to meet specific requirements. Most business contracts require both.

A Certificate of Insurance is a document that summarizes your coverage limits and policy dates. It's used to prove coverage to clients, landlords, and partners. Unlike endorsements, a COI doesn't change your policy—it just documents what you have.

Understanding Certificates & Endorsements

Standard Certificate of Insurance (COI)

A one-page summary showing your coverage types, limits, policy numbers, and effective dates. The most common document requested by clients and vendors.

When needed: Before starting any contract or lease
Typical cost: Usually free from your insurer

Additional Insured Endorsement

Adds another party (like a client or landlord) to your policy as an insured. They gain coverage for claims arising from your work.

When needed: When contracts require you to add clients/landlords
Typical cost: $25-$100 per endorsement

Waiver of Subrogation

Your insurer waives the right to sue the other party to recover claim payments. Often required alongside additional insured status.

When needed: When contracts include waiver requirements
Typical cost: $0-$50 typically

Primary and Non-Contributory Endorsement

Makes your policy respond first (primary) without seeking contribution from the additional insured's own policies.

When needed: Required by many commercial contracts
Typical cost: Often included with additional insured

Common Endorsements

Blanket Additional Insured

Automatically adds any party you're contractually required to add as an additional insured, without needing individual endorsements.

Contractors, consultants with multiple clients

Per-Project Aggregate

Provides a separate aggregate limit for each project, preventing one project's claims from exhausting coverage for others.

Contractors on multiple job sites

Hired and Non-Owned Auto

Extends GL to cover liability from employees using personal or rented vehicles for business purposes.

Businesses without commercial auto policies

Need help with your general liability insurance?

Our licensed agents can help you understand your coverage options and find the right policy for your business.