Will your COI get rejected?
Your GC won’t let you on site without a compliant certificate. Answer a few quick questions about your work, upload your policy, and get an instant grade — checked against the jobs you actually do and where you do them, plus the exact gaps that get contractors bounced and how to fix them.
COI rejection, explained.
Q.01Why do certificates of insurance get rejected?
The most common reasons are limits below the contract requirement (usually $1M/$2M general liability), a missing additional insured endorsement, no completed-operations additional insured (CG 20 37) on construction work, missing primary & non-contributory or waiver of subrogation wording, an expired term, or a named-insured name that does not match the contracting entity.
Q.02Is a certificate holder the same as an additional insured?
No. Being listed as the certificate holder only means you received the certificate. Additional insured status requires an endorsement on the policy (such as CG 20 10 and CG 20 37) and is what actually extends coverage to the general contractor.
Q.03Is this an official coverage determination?
No. This is a free educational check based on the language detected in the document you upload. It is not a coverage determination or legal advice. A licensed Acolite broker can confirm and fix any gaps.