Certificate of insurance requirements from clients for architects/engineers-
Your firm may receive requests for certificates of insurance from your clients. You may be asking yourself what is acceptable to be added to a certificate of insurance?
The certificate holder, which is the name and address of your firm’s client. This will be added to the certificate holder box. It is important to provide your clients’ address so they can be notified of the cancellation, etc. of your firm’s policies.
Additional insured language can be added to the general and automobile liability policy if the policy allows. The additional insured language cannot be added to the professional liability policy or workers compensation policy. If your firm needs to add entities as additional insured, the specific names of the entities need to be provided. It is not possible to add the language of ‘owner’ to the policy, it needs to be specific.
Primary and non-contributory language can be added for the general liability, if the policy allows for the language. Most architects and engineers’ policies have blanket language for this and for additional insured and can typically be added to the certificate of insurance.
The project name can be added to the description of operations. However, please note that the limits of liability are policy limits and not specific to the project, unless otherwise noted.
Waiver of subrogation language can typically be added to the certificate of insurance as long as it is in the contract and the policy language allows for the waiver.
Past certificates of insurance can be provided to your firm’s clients, the same guidelines will apply for the certificate of insurance.
If your firm has any questions with regards to certificate of insurance requirements from your firm’s client please call, or email, your Professional Underwriter agent for assistance.