Vetting and credentials guides

Additional insured status comes from policy provisions or an endorsement. A certificate holder entry alone does not create it.

A certificate summarizes listed insurance policies. Read the entity, dates, and limits, then check the policy language for the protection you require.

Get current evidence from the producer or insurer, match it to your subcontract, and ask about the policy terms your project requires.

Collect the documents that answer identity, authorization, coverage, scope, and payment questions. Keep tax information in a restricted accounting file.

General liability addresses specified business liability risks. Match the actual policy to your trade, work arrangement, and builder’s requirements.

A contractor license and an insurance policy answer different questions. In North Carolina, a GC license does not itself require or prove insurance.

Subcontractor default insurance protects a general contractor against specified losses from a sub’s default. It is different from the sub’s liability insurance.

Prequalification reviews a company before you consider it for work. Use a short form, then verify the answers that affect your decision.

An uninsured sub leaves coverage questions unresolved. In North Carolina, a builder can also face workers’ compensation liability for the sub’s employees.

In North Carolina, the general rule concerns three or more regularly employed workers. Subcontracting creates another coverage question for your builder.

Use the issuing board, match the license to the signing company, and compare its authorization with the work you are buying.

Match each requirement to evidence and a dated check. Resolve identity, coverage, reference, and capacity questions before you approve the scope.