Why It Matters
Your Insurance Protects the Post
We verify every certificate against the requirements below. A complete, correct COI gets your firm approved fast. Anything missing or short sends it back.
The Requirements
What Your Insurance Must Include
Coverage must be written on an ACORD 25 certificate and meet every minimum below.
Commercial General Liability
- Written on an Occurrence form
- $1,000,000 each occurrence
- $5,000,000 general aggregate
- $2,000,000 products and completed operations
- $1,000,000 personal and advertising injury
Automobile Liability
- $1,000,000 combined single limit
- Owned autos
- Hired autos
- Non-owned autos
Umbrella / Excess Liability
- $5,000,000 each occurrence
- $5,000,000 aggregate
- Applies over General Liability, Auto, and Employers Liability
Workers Compensation and Employers Liability
- Statutory limits as required by state law
- $1,000,000 each accident
- $1,000,000 disease, each employee
- $1,000,000 disease, policy limit
In simple limits, GL would be 1M/5M. That means $5M applied across the policy for the year and a $1M limit per incident per project. The $5M umbrella follows form, so it sits on top of the GL limit, potentially making it $6M per claim.
Required Endorsements
Three Endorsements We Require
Additional InsuredNationwide Security Service on GL, Auto, and Umbrella
Primary and Non-ContributoryOur coverage does not pay first
Waiver of SubrogationOn GL, Auto, and Workers Comp where permitted
Certificate Holder (exactly)
Nationwide Security Service, Inc.
208 Broadway, Malden, MA 02148
208 Broadway, Malden, MA 02148
See It Done
How to Fill Out Your Certificate
Every label points to something we check. Match your certificate to this sample. Click the image to enlarge.
Submit
Upload Your Documents
Send us your General Liability COI, Workers Comp COI, business or security license, and W-9. We review them against the requirements above and approve your firm or tell you exactly what to fix.
Every document must be a PDF. We do not accept images, screenshots, or photos. Save or scan each document as a PDF before you upload it.
Use the owner’s email on every upload and form. When you upload documents or sign an agreement, enter the same email address the company owner used during onboarding. Our system matches your paperwork to your firm by that address. A different email, whether a broker’s, an office manager’s, or a personal one, means your documents may not attach to your account, and your placement stalls until we sort it out.