Verifying Insurance Coverage

Request Documentation: Always ask for copies of the contractor’s insurance policies, including the certificate of insurance and policy details.

Check Policy Details: Review the coverage amounts, exclusions, and effective dates. Ensure the policy covers the specific activities and risks associated with the contractor’s work.

Contact Insurers: If in doubt, contact the insurance provider directly to verify the authenticity and validity of the policy.

Regular Updates: Maintain a record of all insurance documents and set reminders for renewal dates to ensure continuous coverage.