1. Standard Certificate Holder (Proof of Active Insurance — ACORD 25)
A standard Certificate Holder listing proves to a general contractor, vendor, or municipality that your Commercial General Liability, Commercial Auto, Umbrella, or Workers' Comp policy is active and shows your current policy numbers, effective dates, and dollar limits.
Real-world example: When you onboard as an approved vendor with a local school district or property manager, we issue an ACORD 25 Certificate naming them as Certificate Holder and email it directly to their compliance desk.
2. Additional Insured — Ongoing & Completed Operations (CG 20 10 / CG 20 37)
Unlike a basic Certificate Holder, an Additional Insured (AI) endorsement extends your liability policy's defense and coverage to the General Contractor, project owner, or landlord for claims arising out of your work. Construction contracts frequently require both Ongoing Operations (while you're on site) and Completed Operations (after the job is finished).
Real-world example: If a GC's subcontract requires CG 20 10 and CG 20 37 Additional Insured forms before releasing your first draw check, we attach the matching policy endorsements right to your COI.
3. Primary & Non-Contributory Wording (PNC)
Primary & Non-Contributory wording guarantees that if a claim arises from your work on a project, your policy responds first ('Primary') without demanding that the General Contractor's or building owner's own insurance chip in ('Non-Contributory').
Real-world example: Most commercial GCs and municipal contracts require Primary & Non-Contributory wording alongside Additional Insured status.
4. Waiver of Subrogation (WOS — GL, Auto & Workers' Comp)
A Waiver of Subrogation prevents your insurance carrier from paying a covered claim and then suing your client, General Contractor, or landlord to recover the money. We issue both Blanket and Scheduled Waivers of Subrogation when required by written contract.
Real-world example: When you sign a commercial construction or master service agreement requiring a Waiver of Subrogation in favor of the project owner, we verify and document it on your certificate.
5. Equipment Loss Payee & Lender Evidence of Property (ACORD 27 / 28)
Financing a work truck, excavator, tractor, or aircraft — or closing a commercial real estate or home loan — requires an ACORD 27/28 Evidence of Property Insurance or Loss Payee endorsement naming your bank or finance company.
Real-world example: While you are sitting at the dealership or escrow table, a quick call or form submission to our Ellensburg office gets the lender binder emailed over so you can drive away or close on time.
6. WA L&I, State Contractor Registration & Grazing/Airport Lease Filings
Beyond job-site COIs, our team files state contractor registration certificates (such as Washington L&I, Oregon CCB, and Idaho contractor filings), BLM/DNR agricultural grazing lease certificates, and municipal airport hangar lease certificates.
Real-world example: When your state contractor license is up for renewal or you lease a new airport hangar, we send the required proof of insurance directly to the state agency or port authority.
