Vendor & Subcontractor Insurance Requirements Exhibit
An insurance exhibit you attach to vendor and subcontractor agreements. It sets required coverages and minimum limits for three vendor tiers, spells out additional insured, waiver of subrogation, and primary and noncontributory wording, and gives you remedies when a vendor falls out of compliance. A one-page COI review checklist is included.
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Who it is for
Risk managers, procurement and contracts staff, general contractors, property owners and managers, and agents who want to hand clients a defensible starting point instead of a paragraph copied from an old lease.
What is inside
- Numbered exhibit with required coverages and minimum limits by tier: Tier 1 trade contractors, Tier 2 service vendors, Tier 3 professional services
- Additional insured requirements naming CG 20 10 and CG 20 37 or equivalent (ongoing and completed operations)
- Waiver of subrogation, primary and noncontributory, and notice of cancellation clauses
- Certificate delivery timing, umbrella follow-form, WC statutory with EL limits, auto any-auto symbol, professional and cyber where applicable
- Remedies for non-compliance: withholding payment, purchase on vendor's behalf, termination
- One-page COI review checklist for whoever receives certificates
- How-to-use page and OWNER REVIEW comments where form numbers and edition dates should be confirmed
AI prompt pack: fill this template with ChatGPT or Claude
Paste the prompt below into ChatGPT or Claude together with your own documents (declarations pages, certificates, P&L, contracts). It is written to return results in this template's column order.
Check anything an AI tool returns against the source document before you rely on it. The prompt is a starting point, not a substitute for reading the policy.
Questions
What endorsement makes a vendor's policy primary and noncontributory?
On the ISO general liability form, CG 20 01 (Primary and Noncontributory - Other Insurance Condition) is the dedicated endorsement; some carriers build the wording into their blanket additional insured endorsements instead. The exhibit requires the result, not a specific form, so either approach satisfies it.
Why require both CG 20 10 and CG 20 37?
CG 20 10 covers you for the vendor's ongoing operations; CG 20 37 covers completed operations, which is where construction defect and product claims arise after the work is finished. A vendor who gives you only CG 20 10 leaves you uncovered after the job ends.
Is a waiver of subrogation really necessary if I am an additional insured?
Yes. Additional insured status protects you against third-party claims; a waiver of subrogation stops the vendor's own carrier (especially workers' compensation) from pursuing you to recover what it paid the vendor's employee. They address different exposures.
What limits should I require?
The exhibit's tier defaults are a common starting point, not a rule. Match them to the size of the contract, the hazard of the work, and what the vendor market in your area can actually buy. Requiring limits no one can obtain just produces non-compliance.
Can I use this for a lease instead of a vendor contract?
The structure works for tenants and landlords, but the coverage list and the additional insured language should be adjusted for premises rather than operations. The exhibit's section headers make that edit straightforward.
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