The endorsement forms and ACORD documents that turn a standard policy into a contract-ready program — Additional Insured (CG 20 10, CG 20 37), Waiver of Subrogation, Primary & Non-Contributory, and Per-Project Aggregate.
Published entries in Endorsements & Forms. More definitions are being added continuously.
Additional Insured status is the single most common contract requirement in commercial vendor agreements — and one of the most misunderstood. Here is what it actually means, how it appears on a COI, and what to verify before you accept one.
Waiver of Subrogation clauses appear in nearly every commercial vendor contract and Workers' Compensation certificate. Here is what a waiver actually does, why it matters, and how to verify it is in place.
General Liability, Auto, Workers' Compensation, Umbrella, Professional, Cyber, and every other commercial coverage line.
Explore coveragesCertificate 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.