SMALL CONTRACTOR

Certificate of Insurance Instructions

1. Insurers affording coverage must carry a Best Rating of A- VIII or better.
General Liability policy must be Occurrence policy, not Claims Made.
2.
Note: Refer to Brown & Brown if Claims Made.
3. General Aggregate Limit Per “Project” is required.

Additional Insured column must be checked. General Liability,

4. Automobile Liability and Umbrella Liability (if required). Additional
Insured form must be provided. CG2011 or equivalent required.
Waiver of Subrogation column must be checked. General Liability,
5. Automobile Liability and Umbrella Liability (if required). Waiver of
Subrogation form must be provided. CG2404 or equivalent required.
Each Occurrence of at least $1,000,000 and General Aggregate of at least
6.
$2,000,000 is required.
7 Products-Completed Operations Aggregate of $2,000,000 required.

Automobile coverage, including Hired and Non-Owned, of at least

8.
$1,000,000 required. Note: “Any Auto” includes Hired and Non-Owned.
9. Excess/Umbrella coverage must be included according to contract.

10. Excess/Umbrella deductible or retention not to exceed $5,000.

Excess/Umbrella must be at least $1,000,000, higher if project exposure

11.
warrants it.
Washington Stop Gap coverage of at least $1,000,000 required. Note:
12. This coverage can be referenced in either the General Liability section or
the Workers Compensation section.
13. Reference project name and location.

14. Certificate Holder name is to include XXXXXXXXXXXXXX

15. Primary and Non-Contributory is required – form must be attached.