Sample Requirements
Insurance & Workers Comp Guide
This is a sample template — actual requirements vary by state law, project type, and the developer's risk policy. Customize when you post a project or apply.
Case-by-case requirements
Workers compensation laws differ by state. COI coverage limits, endorsements, and additional insured requirements are set per project by the developer or public agency. Always confirm the project's specific insurance requirements before bidding.
Sample COI Coverage Limits
Typical affordable housing / government project minimums
| Coverage Type | Typical Minimum | High-Value / HUD Project |
|---|---|---|
| General Liability per occurrence | $1,000,000 | $2,000,000 |
| General Liability aggregate | $2,000,000 | $5,000,000 |
| Automobile liability (if applicable) | $1,000,000 | $1,000,000 |
| Umbrella / Excess liability | $1,000,000 | $5,000,000 |
| Additional insured endorsement | Required | Required |
| Waiver of subrogation | Often required | Required |
Workers Compensation by State
State-specific rules for construction subcontractors
Required for all employers, even with 1 employee
Exemption certificates rarely accepted on public projects
Not required by state law, but virtually every GC/Developer requires it
Opt-out allowed but uncommon in practice
Required for construction with 1+ employees
Sole proprietors may exempt but developers usually reject
Required for all employers
Strict enforcement; fines for non-compliance
Required for construction with 1+ employees
Independent contractor misclassification is heavily audited
Required for 3+ employees, but GCs usually demand it anyway
Many affordable housing developers require it regardless of size
This is not legal advice. For full state-by-state requirements, consult your insurance broker or state workers compensation board.
Common Additional Endorsements
What developers often require beyond base coverage
- Primary & Non-Contributory wording on GL and Auto policies
- 30-day notice of cancellation / non-renewal to certificate holder
- Per Project Aggregate endorsement (if annual aggregate is used)
- Subcontractor coverage endorsement (if hiring lower-tier subs)
- Builder's Risk / Installation Floater (for self-performed work)
Project Posting Checklist (for Developers)
When you post a project on BuildersPass, use this checklist to communicate insurance requirements clearly to bidders.
For Subcontractors: Have These Ready
Upload these during your BuildersPass application so developers can review them before requesting an introduction.