The core commercial insurance coverages that appear on nearly every Certificate of Insurance — what each one insures, why clients require it, and the limits and endorsements typically demanded in vendor contracts.
Published entries in Coverages. More definitions are being added continuously.
Products & Completed Operations coverage protects vendors and their clients from claims that surface after the work is done. Here is what it covers, why contracts require it for years, and how to verify it.
Commercial Umbrella policies sit on top of General Liability, Auto Liability, and Employer's Liability, adding excess limits when the primary policies exhaust. Here is how they actually stack — and where they can quietly fail.
Employer's Liability is the liability half of a Workers' Compensation policy — the piece that responds when a workplace injury turns into a lawsuit. Here is what it covers and what contracts typically require.
Professional Liability — also called Errors & Omissions or E&O — covers claims arising from services, advice, and design work. Here is who needs it, what it covers, and how it differs from General Liability.
Cyber Liability is no longer optional. Property managers, healthcare clients, and enterprise buyers now require it from any vendor with network access, cardholder data, or PII. Here is what it covers and what contracts require.
CG 20 series Additional Insured forms, Waivers of Subrogation, Per-Project Aggregates, and blanket endorsements.
Explore endorsements & formsCertificate Holder, Description of Operations, ACORD 25 boxes, and every field on a Certificate of Insurance decoded.
Explore coi termsHow limits stack, self-insured retentions, aggregates, per-occurrence math, and umbrella drop-down rules.
Explore limits & deductiblesAM Best ratings, admitted vs. non-admitted carriers, financial strength, and why it matters for compliance.
Explore carrier & ratingPrimary & Non-Contributory, Waiver of Subrogation, Hold Harmless, and the other phrases that drive COI requirements.
Explore contract phrasesCoverageReady checks every one of these definitions against your contracts and COIs — automatically.