SUBCONTRACTOR INSURANCE REQUIREMENT LETTER - STARTING-POINT TEMPLATE
This is a starting point to adapt, not finished contract language. Have your
attorney or insurance broker review the actual wording before you send it,
particularly the additional insured and indemnification language, before
using it on a real project.

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[Your Company Letterhead / Name]
[Date]

To: [Subcontractor Company Name]
Attn: [Name / Title - whoever handles insurance on their side]
Re: Insurance Requirements - [Project Name], [Project Address]

This letter states the insurance coverage [Your Company Name] requires
before [Subcontractor Company Name] begins work on the above project. It
supplements, and does not replace, the insurance requirements in our
subcontract agreement dated [date].

REQUIRED COVERAGE

1. Commercial General Liability
   - Each Occurrence: $[amount]
   - General Aggregate: $[amount]
   - [Your Company Name], [Owner Name if applicable], and [any other
     required party] must be named as Additional Insured on a primary and
     non-contributory basis, by endorsement.

2. Workers' Compensation and Employer's Liability
   - Statutory limits for workers' compensation
   - Employer's Liability: $[amount] each accident / $[amount] disease

3. Automobile Liability (if vehicles are used in connection with the work)
   - Combined Single Limit: $[amount]

4. Umbrella / Excess Liability (if required)
   - $[amount] per occurrence / aggregate

5. [Any trade-specific coverage, e.g. pollution liability; delete if not
   applicable]
   - $[amount]

CERTIFICATE DELIVERY

A current Certificate of Insurance meeting every requirement above must be
received by [Your Company Name] no later than [date / X days before
mobilization]. Work may not begin on site until a compliant certificate is
on file.

Note: a Certificate of Insurance is a summary document showing that a
policy exists; it is not the policy itself. Where this letter requires
Additional Insured status, the certificate alone is not sufficient. Please
also provide a copy of the Additional Insured endorsement itself, since a
certificate can state additional insured status without an endorsement
actually being in place on the policy.

Please send the certificate and endorsement to:

   [Name / Title]
   [Email address]
   [Phone number]

RENEWAL

Please ask your insurance broker to provide a renewed certificate, or to
notify us directly, no later than [X] days before your current policy
period ends. We will also be tracking this expiration date independently.

Please confirm receipt of this letter and your ability to meet these
requirements by [date].

[Your Name]
[Your Title]
[Your Company Name]
[Contact information]

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This is a starting-point template for organizing an insurance requirement
letter. It is not legal advice and does not state what any specific
project or jurisdiction actually requires. Confirm actual coverage types,
limits, and endorsement language with your attorney or insurance broker
before sending it on a real project.