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Free contract check

Know what a contract requires before you sign

Paste the insurance section of a subcontract, lease or customer agreement. The checker picks out what it asks for, explains each requirement in plain language, and shows where your coverage may fall short.

Check a contract Talk to a broker

Your contract text stays in your browser unless you ask us to review it.

Step 1 of 3

Paste the insurance section of your contract

It’s usually headed “Insurance” or “Insurance Requirements,” or attached as an exhibit. The text is checked in your browser and isn’t sent to us unless you ask for a review.

Where contracts catch people

The requirements a certificate can't fix

Additional insured, after the job

Many policies add the other party only while work is under way. Contracts usually want completed operations too, which takes a second endorsement.

Primary and non-contributory

If your policy doesn't say it pays first, the other party's insurer can push part of the claim back. The wording has to be in the policy.

Waiver of subrogation

Contracts ask for it on several policies at once. It has to be endorsed on each one, and it must be in place before a loss.

Questions

About the checker

Does this tell me I comply with the contract?
No. It recognizes common requirement wording and compares it with your own answers. Only your policies and their endorsements decide whether you comply, so have a broker confirm before you sign.
Is my contract sent to First Underwriters?
Not unless you ask for a review. The text is read in your browser. If you request a broker review, your results and the wording you entered are sent with the request.
Can I upload the contract instead of pasting it?
Yes, as a PDF or text file. Scanned PDFs are pictures of the page, so there is no text to read. For those, type or paste the insurance section, or pick the requirements yourself.
It missed a requirement, or found one that isn't there.
Contracts word things many ways. You can remove any item and add ones it missed before you see your results.
Is this legal advice?
No. We can tell you what your insurance would and wouldn't cover. For the meaning of an indemnity clause or other contract terms, talk with an attorney.
Related
Additional insured endorsementsCertificates of insuranceSubcontractor insurance requirementsCoverage CheckupInsurability Self-Assessment

The Contract Requirements Checker is general information. It recognizes common wording and can miss or misread a requirement. It is not a review of your policies, a coverage determination, a certificate of insurance or legal advice. Coverage depends on the actual policy terms, conditions and exclusions.